A New Beginning

Bankruptcy: A New Beginning

Bankruptcy is a New Beginning for your financial life! We have seen this over and over through our clients. The common myth people hear about filing bankruptcy is that they will never be able to purchase a house, car or anything else using credit again..

It’s simply not true! That’s why you often here the phrase “fresh start” when attorneys talk about filing bankruptcy..

(See our blog post: It’s the New Year. Get a Fresh Start!)

For one thing, as soon as you file Chapter 7 bankruptcy or Chapter 13 bankruptcy, you start rebuilding credit immediately. There is no more negative reporting to your credit bureaus, and when your bankruptcy is complete, your debts will be completely wiped out (or, as we call it, “discharged”). The discharge of your debts will be reflected on your credit reports and your accounts will show a $0 balance..

(See These Three Simple Steps Can Take You from Bankruptcy to Financial Freedom.)

You can then begin to rebuild your credit. You can apply for credit cards, car loans, etc.. There are no legally required waiting periods with the exception of FHA Home Loans, which will not be approved until two years has passed since the filing of a Chapter 7..

But before you go out racking up new debt in effort to rebuild your credit, we want to help you to make sure you have everything you need to be successful and in control of your new financial life. That’s why we offer our clients a Rebuilding session..

What our rebuilding sessions offer:.

We want to make sure you get the most out of your Chapter 7 or Chapter 13 bankruptcy. This means that we make sure you are poised to start rebuilding your credit right away. In our rebuilding session we:.

  • Go over your credit report and make sure it is accurate. If there are any mistakes, we can take care of that for you, or
  • we can show you exactly how to do it!
  • We will teach you how to make a realistic budget, tackle any remaining debt and keep up with bills.

Good credit is one way to increase your credit score. We can show you the differences between good and bad debt, give you tips on how to get the best loans, and counsel you on how to deal with debt incurred after the bankruptcy.

We want our clients to take advantage of all we have to offer!

When you hire Wasson & Thornhill, you are arming yourself with the knowledge you need to truly get a fresh start and rebuild your credit after bankruptcy.

(Check out: Filing Chapter 7—Get a Fresh Start Leaving You with No Debts and Discharge of Debts under Chapter 13.)

Bankruptcy Process
Find out what you can expect during bankruptcy.

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Testimonials

  • I just loved Ms. Wasson’s professionalism and timely response to everything! I feel relieved and ready to rebuild by financial status.

  • The moment I walked in the door I felt like I was talking with a friend. You really made me feel relaxed and that you genuinely cared about my best interest.

  • Andrea, you are absolutely amazing.  I love you!

  • They answered all my questions, they are very nice ladies, and very personable.  I will recommend you to all my friends!  Thank you all so much!

    -Michael H.

  • I am so glad I was sent to you all. You made this process simple and not scary. I appreciate your word[s] of encouragement.

  • You made me feel comfortable, without any judgment.  At first I was ashamed and embarrassed of my situation.  Now I fee relieved, and now I can start over.

  • At first I was scared. After meeting Leeann, I knew I was in the right place for help. Your firm is very professional and organized.

  • I can breath and I don’t have to worry about the next phone call or mail.  We can move on with life!

    Lisa and James

  • You were very good at listening to me about my personal situation.  You showed a real concern about me as a client and a person.  You made me feel very comfortable during the whole case.  Being very nervous, Andrea’s smile helped a lot.

    Raymond

  • Andrea was professional, friendly, and always prompt when calling back or answering an email.  Love her!

  • It feels good being debt free. The process was well organized and detailed with information. I intend to stay debt free!  Leeann made me feel comfortable and was compassionate about my situation. I was very impressed.

  • You all made me feel ok about what I was doing.  I was upset about it, and after speaking to you I felt so much better.  Everything was great and easy on me.  I did not feel like I was doing anything wrong.  I felt very welcome and comfortable.  A big weight has been lifted off my chest.

    Olivia

  • Leeann made the process easy and worry free.  She was so friendly and welcoming.  I feel really good about the bankruptcy process and my decision to file.

  • The legal assistant was very sweet and helpful.

  • I loved Andrea.  She’s laid back and put me at ease.  She’s so easy to talk to.  She is understanding and listens to you.

  • The legal assistant was very helpful and knowledgeable – always followed through.

  • I feel as if I have a new start. My life can start now without the financial burden. It was a very stress-free experience.

  • The most positive part of the experience for us is that we were treated like people who needed help, not like we were too lazy to pay our bills. Your kindness is much appreciated.

  • Andrea was fantastic!  Professional, down to Earth, and TRULY understood my concerns.  I would recommend Andrea to anyone needing assistance with bankruptcy!

  • When I first met Leeann she made me feel very comfortable.  She handled everything so quickly and kept me up to date with everything.  I was so nervous and she made me feel at ease.  [She] went above and beyond what she needed to do to help me.  I felt taken care of from start to finish.

    Terry

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