CALL NOW!
FREE PHONE/VIRTUAL CONSULTATION

Life After Bankruptcy

Filing for either Chapter 7 or Chapter 13 bankruptcy does not mean that your credit is ruined forever. In fact, re-establishing your credit may be easier if you file bankruptcy than if you do nothing. There is life after bankruptcy.

At the Tampa, Florida, law firm, the Law Offices of Robert M. Geller, P.A., we believe that clients deserve to learn all they can about Chapter 7 or Chapter 13 bankruptcy and what life will be like when the process is complete. We spend the time needed to provide clients with answers to their concerns about the future.

Common Questions About Credit After Bankruptcy

  • Will I ever be able to purchase a house? If you have worked to rebuild your credit, you may actually be a better risk than someone who did not file bankruptcy but had overwhelming debt. Our bankruptcy lawyers can give you information about your options.
  • Will I ever be able to get a credit card? Here’s why there are many companies willing to give you a credit card after bankruptcy: you will have less debt than many credit card holders — you have either discharged it or reorganized it. This is an indication that you will be able to make your payments. We have seen many clients rebuild their credit after bankruptcy and get credit and credit cards.
  • What is to prevent me from getting into financial trouble again? Credit counseling and a financial management class are mandatory under both Chapter 7 and Chapter 13 bankruptcy. Many people find that going through the bankruptcy process leaves them more capable of managing their financial lives.
  • Can I file bankruptcy again? One of the reasons it is surprisingly easy to get credit after bankruptcy is that lenders know that you will need to wait either four or eight years to file again, depending on whether you filed Chapter 7 or Chapter 13 bankruptcy.

If you already have bad credit, filing bankruptcy is a positive step. The process teaches you how to re-establish credit more quickly after bankruptcy than if you did nothing and continued to build up debt.

Contact a Bankruptcy Attorney

To learn more about life after bankruptcy, contact our Tampa, Florida, law firm. Call us at 813-254-5696 to schedule a free initial consultation. Attorney Robert M. Geller is a certified specialist in Consumer Bankruptcy Law by the American Board of Certification *.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

* Accredited by The Florida Bar to certify lawyers in the specialty area(s) of consumer bankruptcy law.

Video Testimonials

Tampa Bankruptcy Law Blog

5 Common Budgeting Mistakes Newlyweds Make and How to Avoid Them

Budgeting mistakes are common, especially when you’re young. Not all newlyweds are young adults, but many first-time marriages do involve...
Read More

When Should Married Couples File for Bankruptcy Together?

There's no easy answer to the question of timing when it comes to bankruptcy. In some cases, it may make...
Read More

Can Your Spouses Debt Force You Into Bankruptcy?

If you're married and your spouse has a lot of debt, you may be wondering if that debt can force...
Read More

Do You Need a Bankruptcy Attorney If You’re Divorcing with Financial Problems?

Divorce and bankruptcies are more common than many people realize. Financial problems make a stressful transition even more difficult. If...
Read More

Can You File Bankruptcy without Your Spouse?

Filing for bankruptcy is a decision that should not be taken lightly. It can affect your financial life and the...
Read More

How Seniors Can Avoid Bankruptcy

Seniors are at a high risk of bankruptcy, but there are ways to avoid it. What do you need to...
Read More

What Happens If I Own Too Many Assets to File for Chapter 7?

Does hiding assets in bankruptcy protect them from your creditors? If you own too many assets to qualify for Chapter...
Read More

How to Find the Best Lawyer for Filing for Bankruptcy after Retirement

Many retirees decide to file for bankruptcy as a way to get a fresh start. But finding the right lawyer...
Read More

Does Declaring Bankruptcy Affect My Retirement Savings?

When you're struggling with debt, the thought of bankruptcy might cross your mind. But what would that mean for your...
Read More

Is a Reverse Mortgage Right for Me?

Reverse mortgages in Florida are loans that allow homeowners 62 and older to borrow against the equity in their homes....
Read More

Bankruptcy

For The Next 5 Days GET A FREE BOOK About Bankruptcy

Learn More

Infographics

We are A Debt Relief Agency.
We help people file for bankruptcy under the Bankruptcy Code

Pay Online Bankruptcy Courses Newsletter Subscription

NACBA Logo avvo1 avvo2 avvo3 LEA BBB Logo

Call For A Free Initial Consultation

813.254.5696

Tampa Office

Law Offices of Robert M. Geller, P.A.
807 West Azeele Street
Tampa, FL 33606
T: (813) 254-5696
T: (800) 853-7549
F: (813) 253-3405

Map And Directions

St. Petersburg Office

Law Offices of Robert M. Geller, P.A.
125 5th Street South
(Wells Fargo Financial Center)
2nd Floor, Suite G
St. Petersburg, FL 33701
T: (727) 532-3939

Map And Directions

Pasco Office

23526 State Road 54
Lutz, FL 33559
T: (813) 336-2320

Map And Directions