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One common question we are asked is about rebuilding credit after bankruptcy. A bankruptcy will usually stay on your credit report for ten years. This does not mean that you must wait the whole ten years to have credit accounts again. It does mean that you should get credit counseling and financial management education so that you can be alert to warning signs to ensure your finances do not go out of control in the future. You will also need to develop a common sense plan to restore your credit which doesn't cause you future financial troubles. Our experienced bankruptcy lawyer at Oregon Fresh Start can provide you with the Bend credit counseling and financial management services that you need to rebuild your credit.


A financial plan based upon the data contained in your Chapter 7 or Chapter 13 bankruptcy file will give you concrete information to use in developing a livable budget. By utilizing our Bend financial management services and creating a breakdown by category of all your expenses and everything you spend money on, you will be able to create a budget which covers your living expenses and bill payments. By cutting out luxuries and non-essentials that you spent on in the past, you will have a budget that will cover your necessary expenses and should leave you some money left over to put into savings. By ensuring that you regularly add to your savings account so it continues to grow, you will ensure your own financial security and lending institutions will be reassured that you have "turned over a new leaf". Saving money up and making only planned purchases, will give you far more control. To build credit by getting a new loan, you can have a cosigner on your loan agreement or take out a secured loan. Our Bend credit counseling professionals can help and advise you on these and other methods of restoring your credit. We have been helping clients through bankruptcy for over three decades. Many of our clients are pleasantly surprised at how quickly their credit is restored.

Our legal team understands that life events such as illness, divorce and job loss can cause financial difficulties which require the assistance of an experienced bankruptcy lawyer. We help clients to resolve credit and financial difficulties through debt negotiation, debt consolidation, bankruptcy and other effective means, including our Bend credit counseling and financial management services. We can work with you to help you to live within your means and have a stress free future.

For assistance in rebuilding your credit, contact an Oregon bankruptcy lawyer at our firm.