Carlsbad Bankruptcy: Rebuilding Credit

One common concern we hear from our Carlsbad clients is the stigma related to bankruptcy. As a basic instinct, people try to avoid things that they are not familiar with. However, do not simply disregard Chapter 7 or Chapter 13 bankruptcies from your option lists. Allow yourself some time to familiarize this subject before you made your decision. In reality, the stigma against debtors has been greatly diminished over the last 20 years. There is no indication that a debtor will be treated less favorably. In fact, your ability to re-establish your credit after a Chapter 7 or Chapter 13 bankruptcy has never been better. Even a Chapter 7 or Chapter 13 bankruptcy will remain on your credit report for the next 10 years, you can start to re-build your credit immediately.
    
When you borrow money, many lenders decide whether or not to lend you money by examining your debt-to-income ratio or by comparing your outstanding debts to your income. Thus, your poor credit is more likely a result of your high levels of outstanding debts.

Many of our Carlsbad clients were able to purchase a vehicle on financing right after they receive their bankruptcy discharge. Very often, you will have to pay one or two percentage higher interest rate than a person who has perfect credit report. However, this interest rate will be much lower than you can get in your current situation. You should also be able to finance a home within the next two years after you receive a bankruptcy discharge so long as you can pay a minimum down payment and show your ability to make monthly mortgage payments. You will also receive credit card solicitations within months of your bankruptcy discharges.
   
At Sagaria Law, we value our clients. We are committed to provide quality legal representations with a fair fee. Once you retain our legal service, you become our client for life. We would never abandon our clients even after you receive your discharge ruling from the court. Come to our Carlsbad office and speak with one of our attorneys to relief you from debts and to have your life back on track.
 
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