Rebuilding Your Credit
Post-Bankruptcy Assistance from Kansas City Bankruptcy Attorneys
Bankruptcy creates a fresh opportunity to rebuild your credit. By getting rid of excessive debts, bankruptcy will give you a much lower debt-to-income ratio, which in turn can serve as a foundation for gradually improving your credit.
For comprehensive guidance on all aspects of bankruptcy — including rebuilding your credit — contact the law firm of Patton & Dean, LLC. Our attorneys provide complete bankruptcy services, addressing not only the bankruptcy process itself but also post-bankruptcy issues. This valuable post-bankruptcy guidance comes at no additional charge.
How to Improve Your Credit: Three Simple Steps
Rebuilding your credit doesn’t have to be a burdensome, decades-long process. As soon as your debts get discharged, you can start improving your credit by following several important strategies.
1. Dispute inaccuracies in your credit report.
Your credit report will determine which lending options are available to you and which rates apply. However, credit reporting agencies do not always accurately update these reports following bankruptcy. Your report may still reflect a high debt-to-income ratio and old debts that have already been discharged.
As part of our Complete Bankruptcy approach to legal guidance, our attorneys also offer credit repair guidance. We will closely examine your credit reports and dispute any discrepancies. We will make sure you have a clean financial slate.
2. Re-establish your credit through consistent monthly payments.
Using credit cards wisely is a key to establishing reliable credit. If you still have a line of credit available after bankruptcy, you can continue to make small purchases with it, paying off the balance in full each month. Alternatively, you can apply for a secured credit card.
3. Adhere to a strict budget.
Making smart financial decisions is the swiftest path toward financial security. After bankruptcy, one of the first steps you should take is to prepare a detailed budget. You should also work toward building a sufficient cushion of savings. You can rely on our attorneys for advice and tips specific to your situation.
Contact Patton & Dean, LLC at (913) 203-4786 for a free initial consultation. Our Kansas City bankruptcy attorneys continue to guide you even after your bankruptcy case has closed.
How to Improve Your Credit: Three Simple Steps
Rebuilding your credit doesn’t have to be a burdensome, decades-long process. As soon as your debts get discharged, you can start improving your credit by following several important strategies.
1. Dispute inaccuracies in your credit report.
Your credit report will determine which lending options are available to you and which rates apply. However, credit reporting agencies do not always accurately update these reports following bankruptcy. Your report may still reflect a high debt-to-income ratio and old debts that have already been discharged.
As part of our Complete Bankruptcy approach to legal guidance, our attorneys also offer credit repair guidance. We will closely examine your credit reports and dispute any discrepancies. We will make sure you have a clean financial slate.
2. Re-establish your credit through consistent monthly payments.
Using credit cards wisely is a key to establishing reliable credit. If you still have a line of credit available after bankruptcy, you can continue to make small purchases with it, paying off the balance in full each month. Alternatively, you can apply for a secured credit card.
3. Adhere to a strict budget.
Making smart financial decisions is the swiftest path toward financial security. After bankruptcy, one of the first steps you should take is to prepare a detailed budget. You should also work toward building a sufficient cushion of savings. You can rely on our attorneys for advice and tips specific to your situation.
Contact Patton & Dean, LLC at (913) 203-4786 for a free initial consultation. Our Kansas City bankruptcy attorneys continue to guide you even after your bankruptcy case has closed.
Real People. Real Reviews.
Past Clients Tell Their Stories
At Patton & Dean, LLC, your satisfaction is our priority! See for yourself what our clients have to say about working with us.
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“Ryan and David both were very personable as well as professional.”Deana
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This team of attorneys has gone out of their way to help me. I am impressed and thankful for all they have done for me.Jeffery B.
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Very grateful. Ryan and his team were very helpful. Thanks to them I was able to keep everything I needed. Very knowledgeable and professional. Thanks Thanks ThanksCarlos I.
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Great service! Ryan Patton was very professional and helpful! Very responsive on my questions! Would definitely refer their firm!Traci V.
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Ryan Patton represented me in my Chapter 13 submission. Given the results, which were far better than I had hoped, his feedback, guidance, recommendations and ultimate submission were outstanding.. His professionalism and value added exceeded my expectations! Do not try a bankruptcy submission without a top notch attorney like Ryan!Larry H.
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I had a hard time coming to the decision to file bankruptcy, Ryan made it painless and was very patient with all of my questions. Very professional.Debra B.
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Ryan was recommended by my parents and has made this process as easy as it can be and has made sure I understood everything every step of the way. This is the second time I have dealt with Ryan and would definitely recommend him to anyone!Terri O.
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Ryan P. was amazing to work with, he was always available every time I needed him. Any question I needed answered or explained more, he was always there. I would highly recommend him to anyone needing his service. I couldn't ask for a better person to help me through this process.Amber M.
