Restoring Credit


Are you ready to rebuild and have a 700+ credit score?

Helping our clients restore their credit is a priority at O’Bryan Law Offices. It is so important, that we offer the 7 Steps to A 720 Credit Score program (valued at $1,000) for FREE to our clients. Many of our Chapter 7 and Chapter 13 clients qualify for market rate home mortgages and car loans within two years of discharge so long as they have been responsible with their credit after the filing of the bankruptcy. 7 Steps to a 720 Credit Score can show you how to build and protect your credit from the ground up.

Learn more about the 7 Steps to a 720 Credit Score. To gain access to this amazing credit building program, call O’Bryan Law Offices today at 502-400-4020 and schedule an appointment.

Will bankruptcy ruin my credit forever?

One of the best-kept secrets about bankruptcy is its positive effect on credit for people who seek relief responsibly under Chapter 7 or Chapter 13 debt relief.

This makes sense when you think about it. The people who belong in bankruptcy are most often those whose credit literally cannot be any worse. Filing for bankruptcy gets them out from under a lot of old unsecured and secured debt, and they can’t get another discharge for eight years. These factors alone improve their creditworthiness.

Contact one of our experienced bankruptcy attorneys at O’Bryan Law Offices in Kentucky and Indiana to learn the truth about your ability to recover good credit after bankruptcy. In fact, many of our clients get credit card offers within a few weeks of the bankruptcy filing. We can show you how to build on these opportunities by concentrating on achieving a good credit score.

Helping you recover and manage credit is part of our job

Access to credit is essential to full participation in American society. As bankruptcy lawyers, we think it’s just as important to help you recover your credit, as it is to get relief from your past debts. We now offer credit rebuilding programs for a minimal fee. Please call our office if interested. Within a year or two, you should qualify for a car loan at a more favorable market rate. Within two years, you should be able to buy a house at an acceptable rate of interest.

Steps to consider in re-establishing your credit:

  • Ask a friend or family member to have you named as a co-maker on their credit card. This is an excellent way to start rebuilding credit immediately while not actually going into debt.
  • Set a reasonable goal to save a little money each week. In six months, you would have the down payment for a secured credit card of your own. By using the card and paying it off each month, you are establishing a good payment history.
  • Monitor your credit rating with the three major credit-reporting bureaus, Trans Union, Experian and Equifax. You are entitled to receive one free credit report each year from these agencies.

We help our clients understand the bankruptcy process as a credit restoration tool

Because you only get one discharge in eight years for successive Chapter 7’s, it’s very important to make the most of the opportunity that bankruptcy can present for repairing your credit. To learn how we support our clients in this effort, contact one of our lawyers at O’Bryan Law Offices in Louisville, Frankfort or New Albany.

To learn more about how to rebuild your credit, download our free e-book Life After Bankruptcy.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Schedule a Free Consumer Bankruptcy Consultation

Call us at 502-400-4020 or fill out our online contact form to schedule a consultation with one of our attorneys.