Life After Bankruptcy in Troy, New York

Albany Credit Repair

If you are considering bankruptcy, you are probably thinking about the current state of your financial affairs. The late mortgage payments, your back taxes, overwhelming credit card debt and having your car repossessed. It is likely that checking your mail or answering the phone is stressful — creditors are relentless.

But have you given yourself a moment to think about what your life would be like after bankruptcy? The difference is like night and day. Ehrlich Law Firm, P.C., in Troy, New York, would like to help you obtain freedom from your debts.

Our law firm will give your personal bankruptcy our personal attention. We offer free initial consultations to individuals who have participated in mandatory credit counseling. Contact us online or call to arrange yours. We can be reached at 518-272-2110.

Our attorneys can talk to you about your options in filing bankruptcy. Consumers are eligible for Chapter 7 bankruptcy or Chapter 13 bankruptcy. Both kinds of bankruptcy can eliminate your debt. Read answers to some frequently asked questions about bankruptcy.

Will I Ever Be Able to Get Credit Again?

Your bankruptcy will be reflected on your credit report for 10 years. However, it will also show that you are current on your bills. You may be able to get a secure credit card with a lower dollar limit. This will enable you to build back your credit score. Our attorneys can also talk to you about other options to rebuild credit.

Will I Have Lost Everything?

In most cases, no. You can get current on your mortgage payment and avoid home foreclosure. You can get current on your auto loan and avoid repossession of your car.

In many ways, your life will be the same. You will have the same home and the same car. And in many ways, your life will feel very different — in a good way. You can obtain relief from your debts and gain a new perspective on your financial future.

To get started on eliminating your debt, rebuilding your credit and looking forward to life after bankruptcy, call us at 518-272-2110 to arrange your free initial consultation with one of our lawyers. You can also contact us online.

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