As part of Beth's services to individuals on financial matters, she advises them on rebuilding one's credit after a bankruptcy discharge has been received and understanding credit reports. One should periodically request and review your credit reports from the Experian, Equifax and Transunion bureaus which can be done at www.annualcreditreport.com. Your ability to obtain credit will be affected by these reports, and they occasionally contain inaccuracies that should be corrected ASAP.
Credit Report Repair
Errors can be disputed with a letter to the credit reporting bureau. One agency may have correct information, but check the others as well. They may be wrong. If an error is discovered on your credit report, request the credit bureau review and correct this error. They should correct errors within 30 days.
Beth's legal and financial advice will always be catered to your individual needs. She can write letters for you, help you identify errors, and assure that they are corrected.
Bankruptcy Discharge
If you have filed for bankruptcy and debts have been discharged, you will want to be sure those debts are no longer reflected as monies you owe on your credit report. After entry of discharge, your debt-to-income ratio should be significantly improved. The balance owed on the discharged debt will be zero.
Chapter 13 filers' unsecured debts are not discharged promptly as with Chapter 7. Be sure you review your credit report after entry of your Chapter 13 discharge. Chapter 7 debts are discharged approximately 90-120 days after filing. You will receive official notification and a copy of your discharge in your bankruptcy directly from the United States Federal Bankruptcy Court.
Free Attorney Consultation
Denver, North Carolina, lawyer Beth Carter has 15 years experience helping people move toward developing a manageable budget and improve their financial standing. Contact Beth online or call 704-817-0269 (toll free at 888-354-6975). Your first meeting will be free of any costs or obligations. Offsite visits at your home or any other convenient locations are available.
Spanish language services available upon request.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.