File under non-bankruptcy options: What are some ways to pay down those credit card debts, stay out of New York bankruptcy, and possibly raise your credit score? Here are some answers: (1) Obtain your credit report. By federal law, you’re entitled to up to three free credit reports from the three credit reporting bureaus for …
Seven Tips for Paying Down Credit Card Debt and Raising Credit Scores Read More »
One thing good New York bankruptcy lawyers tell their clients to do is to obtain a credit report in preparation for filing bankruptcy. (In fact, it’s probably a good idea to get the report even before your first consultation with your bankruptcy lawyer.) This can easily be accomplished through Web sites like AnnualCreditReport.com, which allow …
Obtain a Credit Report Before Filing Bankruptcy in New York Read More »
People considering filing bankruptcy in New York are well aware of the consequences of a bad credit score. They can be denied credit; potential employers might not hire them; and landlords might decline to rent to them. Consequently there’s plenty of advice about how to maintain and buoy a credit score. What isn’t out there, …
One thing debtors are concerned about is their credit scores and the impact filing bankruptcy might have on them. Indeed, as the economy continues to struggle, the importance of credit scores has grown. Although they are not the be-all and end-all of one’s creditworthiness, banks, landlords, insurers, and even potential employers often use them to …
If you’ve never had to think about bankruptcy in New York before, then you likely have many questions. Fortunately, an experienced New York bankruptcy attorney can answer many of those for you via a free initial consultation. That said, here are 3 common questions about bankruptcy (including answers) that may be helpful to you. 1. …
A real concern for many who file for bankruptcy in New York is whether they can rebuild their credit score following the end of their bankruptcy case. Fortunately, there are effective ways to do this. And there’s no magic to them. They’re simply common sense. Here are 5 good ways to improve your post-bankruptcy credit …
5 tips for improving your post-bankruptcy credit score in New York Read More »
How much does a bankruptcy filing affect your FICO score? In the big picture, this may not be the right question to ask. In 2010 FICO made public some–not all, just some–of the information behind their mysterious, black-box credit scoring system. The answer to the bankruptcy question is: It depends on the individual. But it appears …
How much will a bankruptcy filing affect my FICO score? Read More »
Yes, you can rebuild your credit within a few years if you’re careful about your finances and pay your bills on time after you’re done with your bankruptcy case. A lot of people worry about their credit history when they consider filing for bankruptcy in New York. It’s a legitimate concern and a healthy impulse …
Can I rebuild my credit after bankruptcy in New York? Read More »
Life goes on after a New York bankruptcy case, and in the ten-year period that the bankruptcy filing appears on a credit report, probably most debtors will try to apply for loans. The question one might ask is, will lenders require any information about a bankruptcy and if so, what? Surprisingly, upon running a credit …
What Information Do Creditors Need to Prove You Received a Discharge? Read More »
Many New York bankruptcy debtors own cars and the mandatory insurance that goes along with them. Naturally it’s common for them to wonder what will happen to their auto-insurance premiums when they file bankruptcy. Will they go up? If so, what alternatives do debtors have? The short answer is yes, most auto-insurers charge increased premiums …
Will Bankruptcy Make My Auto-Insurance Premiums Go Up? Read More »
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