Sacramento Bankruptcy: Is it Possible to Rebuild Credit after a Bankruptcy?

Some clients worry that bankruptcy will leave them with an unfortunate stigma.  Common sense says that people often fear change.  Take the time to educate yourself about a Chapter 7 or 13 bankruptcy as an option.  The last twenty years have vastly reduced the stigma associated with a bankruptcy, and there are no signs that this trend will reverse.  The fact is that the opportunity to repair your credit with a Chapter 7 or 13 bankruptcy has never been better.  Although a Chapter 7 or 13 bankruptcy can stay on your credit report for up to 10 years, you can begin rebuilding your credit immediately.

Lenders often focus on your debit-income ratio when deciding whether to lend, focusing on  the amount of outstanding debt you have compared to your income.  Credit ratings will remain poor as long as the amount of outstanding debt remains too high.

Our Sacramento clients are often able to finance a vehicle the same day they discharge their debts with bankruptcy.  Though rates may be a percentage point or two higher than someone with good credit, a better comparison is with the rates you would get with your current debt situation.  Within a couple years after discharge, home loans become an option, assuming the down payment and monthly payments are within reach.  Often our Sacramento clients begin receiving credit card offers immediately after bankruptcy.  Remember that Sagaria Law clients are customers for life; our commitment to you does not end with the discharge of your debts.  We guarantee all clients competent legal representation for a fair fee.  Sagaria Law of Sacramento has attorneys ready to assist you with advice to help get you financially sustainable.

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