After Bankruptcy

Topeka, Kansas Bankruptcy Lawyer

Even though a completed bankruptcy filing in Kansas can reduce a great deal of stress in your life and stop creditors from calling and mailing you nasty letters, many of our Chapter 13, 11 and 7 bankruptcy clients at the Kansas Bankruptcy Law Firm in Topeka, Kansas worry about the long-term repercussions of a bankruptcy. They are concerned if they can ever buy a home or purchase a car or even be approved for a credit card again. Most likely, a majority of people are able to rebuild their credit in only a few short years if they avoid new debt problems and do not repeat the same mistakes that brought them to a bankruptcy in the first place. It’s often overlooked but millions of people and numerous businesses and corporations have filed for a bankruptcy.

Will I ever be able to buy a home and build my credit again?

If you think that you will not be able to buy anything on credit or obtain a loan over the next ten years, you are wrong. Changing your spending habits, setting a monthly budget, improving your career skills that increases your income, starting a savings plan are just a few. You can very likely secure a credit card with a small limit. Although high in their interest rates, a car loan usually is easy to secure in most cases.

By making regular payments on these loans, you can rebuild your credit score over time. It will not happen overnight and there are no tricks involved. A consistent growing record of making payments over time will restore your credit and make it better before you filed for bankruptcy.

As experienced bankruptcy lawyers in Kansas goes, the Law Office of Paul D. Post in Topeka, KS can provide you with the attention and representation you need when filing a bankruptcy in Kansas. We let our clients know that indeed there is life after bankruptcy. If creditors continue to call, provide them with our name and telephone number. That should stop the communications. If they refuse, they could be subject to contempt charges.

Chapter 7 and 13 bankruptcy is not the end of securing credit or obtaining a loan. While the filing makes things more challenging, you do have the opportunity to rebuild your credit and prove that you will not make the same mistakes again. For more information or to schedule an appointment regarding a Chapter 7, 11 and 13 bankruptcy, please contact us.

To learn more about bankruptcy, please visit our Bankruptcy Information Center.

Free Consultation!

Click to get started!