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Credit After Bankruptcy

Arizona Attorney Assisting with Credit Recovery Through Bankruptcy

Misinformation generated by collection agencies and creditors, in addition to incorrect advice from well-meaning friends and neighbors, can cause many people to delay seeking out debt help. As an experienced Phoenix bankruptcy lawyer, Anca Iacob possesses sophisticated Bankruptcy Code knowledge, as well as a keen understanding of credit after bankruptcy.

At The Law Offices of Anca Iacob, we provide comprehensive Chapter 7 and Chapter 13 representation for individuals struggling with debt. We devote substantial time, talent and resources to make sure each client is placed in the correct protection plan based on his or her needs. We also listen carefully to, and address each of, our clients' concerns, which often include whether they will be able to get 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 me, an experienced bankruptcy attorney serving Glendale and the surrounding areas, to make sure you have a full understanding of your options. We am committed to helping individuals achieve a debt-free life, by giving them the information they need to make well-informed decisions about their financial futures.

Initial Consultations

We offer consultations to discuss your concerns regarding debt and bankruptcy. Our Glendale office hours are 9 a.m. to 5 p.m. Monday through Friday; however, we also offer evening and weekend hours by appointment only. Please call 623-266-0060 to schedule an appointment, or you may send us an e-mail.

Our 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.

Office Location

Law Offices of Anca D. Iacob
P.O. Box 11531, Glendale, AZ 85318-1531
Tel: 623-266-0060 | Fax: 623-334-6869

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