HAND-IN-HAND HELP FROM A CREDIT RESTORATION COMPANY
Clients come to us with two urgent needs: First, they need protection from their debt burdens and creditor harassment. Second, they need help to rebuild their credit. Often, people file for bankruptcy and only achieve their first goal of eliminating debts. The second need remains unmet because they don’t have a clear understanding of how to improve their credit after the bankruptcy case is filed. We will assist you in meeting all of your goals by enrolling you in an excellent credit rebuilding program.
This additional service sets our law firm apart from other Minnesota bankruptcy law firms. Our firm is proud to offer this service to help our clients truly achieve their financial goals.
Gregory J. Wald, Attorney at Law has negotiated a business relationship with www.720creditscore.com. The program normally costs $1,000.00, but if you hire our firm you will receive the program free of charge. Over 14-weeks we will walk you through each step. The program is simple and clear. If you follow the program, you can truly have a great credit score in as little as 12 to 24 months
WHAT SETS US APART FROM OTHER LAW FIRMS
Over the years, we have talked to thousands of clients who were worried about their future and what their lives would be like after bankruptcy. We have spent many years researching credit issues and looking for a way to maximize the benefit of bankruptcy for our clients. We have found that the best way to improve credit quickly after filing bankruptcy is a systematic program that gives you the tools that you need to reestablish your credit and reach financial freedom. If you are considering bankruptcy, call us for a free case evaluation. We can help you relieve the stress and anxiety and restore your great credit.
3 INDICATORS YOU MAY NEED TO FILE BANKRUPTCY
- If you are having trouble making the minimum monthly payments on your debts.
- If you are behind on mortgage or car payments or back taxes.
- If your unsecured debts are equal to your annual income.
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The Real Truth About Bankruptcy in Minnesota
Hear real life stories of how many individuals have
improved their finances and learn the real truth
What does bankruptcy cost?
The court filing fee for Chapter 7 is $335.00 and for Chapter 13 it is $310.00. There is also an Attorney fee, which will depend on the complexity of the case and ability to pay. The fee can normally be quoted over the phone if you call our office. For Chapter 7 bankruptcy the court filing fee and attorney fee must be paid in full before the case is filed. For Chapter 13, most of the attorney fee can usually be consolidated with your other debts.
What does bankruptcy do to my credit?
Bankruptcy stays on your credit record for ten years. However, most people are able to obtain creditor shortly after they complete their bankruptcy and sometimes even while they are in bankruptcy. Generally, it is possible to get a good rate on a home mortgage two years after you file Chapter 7 bankruptcy, assuming you qualify in all other respects. If your credit is already bad, bankruptcy may improve it.
Do I have to file bankruptcy on all my debts?
You must list all of your debts in your bankruptcy papers. However, you can pay any debt you want after you file bankruptcy. You can do this informally or formally with a “reaffirmation agreement”.