Arizona Bankruptcy Recovery Attorney
Misinformation generated by collection agencies and creditors, in addition to incorrect advice from well-meaning friends and neighbors, can cause many individuals to delay seeking out debt help. As an experienced bankruptcy lawyer, I possess sophisticated Bankruptcy Code knowledge, as well as a keen understanding of credit after bankruptcy.
At The Law Offices of Anca Iacob, I provide comprehensive Chapter 7 and Chapter 13 representation for individuals struggling with debt. I devote substantial time, talent and resources to ensuring each client is placed in the correct protection plan based on his or her needs. I also address my clients' concerns, which often include their ability to receive credit after bankruptcy.
Rebuilding Credit After Bankruptcy
Chapter 7 and Chapter 13 bankruptcy can remain on your credit report for up to 10 years; however, your credit score may improve shortly after filing. The reason is simple. Creditors do not seek out individuals who carry outstanding debt. With Chapter 7 and Chapter 13, you are able to discharge nearly all of your debt, providing you with a fresh start. Additionally, when creditors see a bankruptcy on your report, they know that you are unable to file for bankruptcy for another eight years.
Automobile loans are also typically easy to obtain immediately after receiving a bankruptcy discharge — though you may face higher rates. Home loans may be possible once you are able to provide a minimum down payment and prove you have the resources to make your mortgage payments. It is important that you discuss your concerns with our Glendale legal team. We are committed to helping individuals achieve a debt-free life.
Free Consultations
I offer free consultations to discuss your complicated bankruptcy or criminal law matter. My Glendale office hours are 9 a.m. to 5 p.m. Monday through Friday; however, I also offer evening and weekend hours by appointment only. Please call 623-748-6994 to schedule an appointment, or you may send me an e-mail.
My office is located near Highway 101 and offers free and easy parking.
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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
