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Repairing Your Credit After Bankruptcy

Credit Report Repair Attorney

Milwaukee ● Madison ● Oshkosh ● Green Bay ● Sheboygan ● Racine & Kenosha

While bankruptcy can discharge debt obligations or adjust them so that you can effectively pay them off, elimination of those debts from your credit report isn’t automatic. Assistance with credit repair is another way that Debt Advisors, S.C. provides comprehensive debt relief services to people throughout southeastern Wisconsin from our three offices in Madison, Milwaukee and Oshkosh.

A bankruptcy lawyer at our firm can help you rebuild your credit by ensuring your outstanding debts discharged or paid off through bankruptcy are officially removed from your credit report. Contact us today to find out more about the credit repair and other steps you can take to make a fresh start .

Know Where You Credit Stands After Bankruptcy

When a client walks in our office, their credit rating is typically very low.   After filing bankruptcy, there is likely going to be an improvement in your score, but it may take some time.  A bankruptcy action will stay on your credit report for 10 years, calculated from your bankruptcy filing date, the legal discharge of debt should be noted on the report. If a report fails to note the discharged debt balances as zero, according to federal law, you have the right to challenge the accuracy of the information under the Fair Credit Reporting Act.

During your life after bankruptcy, a negative history with a zero balances on your credit report does not guarantee perpetual rejection when you want to buy a car or apply for a home loan. Credit repair is not hard, but it will take time. There are a number of things you can do to strengthen your finances:

  • Start a savings account
  • Set up automatic contributions from your paycheck to savings or retirement
  • Use one credit card, and pay off the balance every month
  • Take out a new, small loan and make consistent monthly payments on time
  • Monitor credit reports, note inaccuracies and challenge mistakes
  • Ask about our 720 Credit Score Program.

All consumers are entitled to free, annual credit reports from each major credit bureau. Proactive credit repair ensures that you avoid unfair bad credit ratings by a creditor involved in your bankruptcy.

Contact Our Wisconsin Debt Relief Offices: 1-800-222-5615

Remember, there are no shortcuts to building strong, clean credit after bankruptcy. Contact our credit repair lawyers for the sound advice and assistance you need to make your fresh start today.

We are a Debt Relief Agency. We help people file for relief under the Bankruptcy Code.

Reviews by Google Users

  • review rating 5  As a customer I was very glad with the level of service I received. I was both nervous and ashamed that I was going through the process of filing. My attorney was nonjudgmental, professional, and very knowledgeable. I had lots of questions and he patiently answered each of them helping me feel more confident in my decision making. I was unable to pay all fees up front and was happy to learn that there was a payment option where payments were deducted from my account until paid in full. Upon my final payment the process ran quickly and smoothly. I always felt like my best interest was at the forefront front the filing process, followup phone calls, reminder phones calls, the court date and discharge. I called the offices 3 years after filing and still, they were welcoming, supportive and informative even though I am not a current customer. This was the first step to me reestablishing myself as a conscious borrower and consumer.

    thumb Ashley Vtine
  • review rating 5  Both Cad and Michael were fantastic!!! They were dedicated and very helpful during my entire bankruptcy. Every step was explained as well as any question that I had (even if I asked three or four times) got answered. I would recommend this team to anyone that needs to swallow their pride and file bankruptcy.

    thumb Andrew Ossowski
  • review rating 5  My husband and I hired Debt Advisors to help with our bankruptcy back in 2010. They made it simple and easy then. Now 10 years later we needed information regarding our bankruptcy and they still make things simple and easy. I have and will recommend Debt Advisors to anyone that needs help. Thank you to Debt Advisors for helping my family plan for the future.

    thumb Carrie Kilbey
  • review rating 5  Even one year later Debt Advisors continue to help by making it easy to access archived information. This experience with this service and it's staff has been stress free from day one. I recommend this team if you want thorough and excellent service like old times.

    thumb Reynell Jones
  • review rating 5  My experience with debt advisors law office was an excellent experience. Chad and his partner we're very knowledgeable and their staff was very helpful through my whole process. As We Know this type of experience bankruptcy can be very trying and stressful however Chad and his staff made it a lot easier on me and I felt they did a wonderful job. I would recommend to anyone.

    thumb Sandy Herfel
  • review rating 5  A few years ago I found myself drowning in debt, after doing some research I decided I would get some help in dealing with that debt, so I reached out to Debt Advisors Law Offices. I was scared, nervous, and embarrassed that I had gotten to this point but after my first meeting with Debt Advisors I knew I was making the right decision. They made me feel comfortable and confident in my decision to move forward. The best part was it was all on my time, I felt no pressure from them which was amazing. They were always available to answer my questions and help me through the process. A couple years after my case closed, I reached out to get some information and within that same day they responded to me and remembered me! Truly a wonderful firm to work with!

    thumb Weston Jones
  • review rating 5  Best place to relieve your debt. Debt Advisors offers a seamless process which is both worry and stress free. Flexible payment options and quick turn-around. The staff is very knowledgeable and goes above and beyond to deliver satisfaction!....Hands down Debt Advisors is the BEST!

    thumb Nina Ross
  • review rating 5  Greg and his staff are great! They made the whole process easy and made everything clear to understand. You don’t second guess nothing. They are with you every step of the way and if you have any questions they definitely have the answer for you.

    thumb Ethan Wemmer
  • review rating 5  Greg and Jeremy strategized the best timing for filing based on the variables changing throughout my divorce process. The team counciled me several times on the various benefits and potential risks while we navigated the best solution specific to my particular situation. I would fully recommend their expertise and their customized approach of how they manage their clients financial recovery.

    thumb Pringle Productions
  • review rating 5  These people are great! They have been so helpful and polite, even during my most stressful moments. I’m sure I got on their last nerve! But they remained courteous and helpful to the end!

    thumb Latasha Messer

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