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Avoid Schemes for Credit Repair After Filing for Bankruptcy

When you file bankruptcy, as a debtor, you are left with most of your debts discharged, caught up with your financial obligations and damaged credit history. Now, this damage is temporary and can be easily repairable. You have to make timely payments on a secured credit card, and it will initiate a good credit history for you. This is the most credible way to do so as our Pittsburgh bankruptcy lawyer suggests.

But at times, people fall prey to some other temptations that promise to repair your credit pretty fast. The credit repair companies and schemes are there that can promise you to repair your credit and make it all as great as new. But often, their promises are too good to be true and actually, they land you in bigger trouble when you take this shortcut. So, before you give in to such temptation, you need to look out for the red flags that can tell you that you should avoid them.

Restoring Good Credit With Timely Payment

It is a possible thing to rebuild your credit structure after filing for bankruptcy for chapter 7 or chapter 13. Bankruptcy is not the end of the world for you. In fact, there are many who has successfully restored their credits and made major purchases like cars or homes. Consistent bill payments on time will help you get back on your feet even in just six months.

However, often people make an error of thinking that the credit should be taken care of right now and thus they end up dealing with credit repair schemes. These agencies offer many promises like removing a bankruptcy from your record, getting a new credit identity, and a fake “100% guarantee” that will land you in trouble. This is why our Pittsburgh bankruptcy lawyer suggests you to steer clear of such scams.

Red Flags for Credit Repair Scam

If you remove the glossy advertising, generally these are fraudulent companies. Look out for these following red flags:

  • Look out for gimmicky language. You are working on finances, not buying clothes from the supermarket. So, don’t fall for phrases like “limited period offer”, “guaranteed results”, “for absolutely free.”
  • When you are dealing with financial professionals, things should be transparent. The necessary information, facts, and figures should be out in clear. There should not be any hidden charges or policies that should hold you back.
  • For finances, paperwork is good, no matter how tedious it seems. You need to have a hardcopy of the contract as well as a copy of “Consumer Credit File Rights Under State and Federal Law.”
  • If the agency promises unethical things like erasing accurate financial information or claiming disputed numbers to be correct, then you should stay away from them.

Bankruptcy can be overwhelming. But after that, getting on the right track is not as difficult as you think it is. And that is why you need to get in touch with an experienced Pittsburgh bankruptcy lawyer. Come to Pittsburgh Bankruptcy Law Group. We are here to help.

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