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Forced to File Chapter 7 Bankruptcy: To Reaffirm or Not to Reaffirm?

If you are underwater on your house and find yourself past due on your mortgage, you may feel that your hand is being forced. You might feel that you have no other choice, but to file for bankruptcy. Feeling forced to file for Chapter 7 bankruptcy isn’t the best situation, but you do still have …

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Credit Cards and Bankruptcy – “Saving” Cards from Bankruptcy Discharge

Many southern California bankruptcy experts would argue that the single most important thing you need to do when considering filing for bankruptcy is STOP using your credit cards. The worst thing you can do for a potential bankruptcy case is to give the appearance that you are “running up” your credit account balances. Receipt of …

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Rebuilding Credit: Beware Certain Types of Credit Cards

Post-bankruptcy the main concern is rebuilding credit that was unavoidably affected by your bankruptcy. When you file, the bankruptcy is a public record and will be listed as such on your credit reports from all of the major credit reporting companies. It stays on the report for years and there’s nothing that can be done …

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