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Life After Bankruptcy

New Jersey Bankruptcy Lawyer

What will be the aftermath of filing a bankruptcy?  There are many myths surrounding the financial status of someone who has filed for bankruptcy.  We can assure you that life after bankruptcy exists and it can be the road to financial recovery for you and your family.

After you have filed for bankruptcy, you are relieved of the monthly dilemma of wondering which creditor to pay and how much. You are also relieved of creditor harassment, wage garnishments, and lawsuits against you for unpaid debts. But, you will have a new financial task - rebuilding your credit. If you retained your home, your car, or any fully-paid credit cards, you can start rebuilding your credit by making prompt payments on those obligations. You may also receive solicitations from financial institutions who offer secured credit cards.

Usually those who must file for bankruptcy have a high debt-to-income ratio and may have already defaulted on a few accounts. After your bankruptcy, you have a much better debt-to-income ratio and no debt which, along with a rebuilt credit score, will make you a better risk for future loans.

If you are facing insolvency and can't pay your bills, then filing for bankruptcy may be your best option for eliminating debt or for a restructured repayment plan over 3 to 5 years of making payments you can afford. If you are in a financial distress, we recommend that you contact the New Jersey bankruptcy attorney at our firm to discuss your situation. Our firm has helped hundreds of people with debt relief and can give you the guidance you need.

For help understanding the consequences of filing for a Chapter 7 or Chapter 13 bankruptcy, we urge you to consult with our experienced and capable New Jersey bankruptcy lawyer as soon as possible.

Do you need help with debt relief? Contact the New Jersey Bankruptcy Attorney at our firm today!

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The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.
We are a federally designated debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.