Rebuilding Your Credit
Post-Bankruptcy Assistance from Kansas City Bankruptcy Attorneys
Bankruptcy creates a fresh opportunity to rebuild your credit. By getting rid of excessive debts, bankruptcy will give you a much lower debt-to-income ratio, which in turn can serve as a foundation for gradually improving your credit.
For comprehensive guidance on all aspects of bankruptcy — including rebuilding your credit — contact the law firm of Patton & Dean, LLC. Our attorneys provide complete bankruptcy services, addressing not only the bankruptcy process itself but also post-bankruptcy issues. This valuable post-bankruptcy guidance comes at no additional charge.
How to Improve Your Credit: Three Simple Steps
Rebuilding your credit doesn’t have to be a burdensome, decades-long process. As soon as your debts get discharged, you can start improving your credit by following several important strategies.
1. Dispute inaccuracies in your credit report.
Your credit report will determine which lending options are available to you and which rates apply. However, credit reporting agencies do not always accurately update these reports following bankruptcy. Your report may still reflect a high debt-to-income ratio and old debts that have already been discharged.
As part of our Complete Bankruptcy approach to legal guidance, our attorneys also offer credit repair guidance. We will closely examine your credit reports and dispute any discrepancies. We will make sure you have a clean financial slate.
2. Re-establish your credit through consistent monthly payments.
Using credit cards wisely is a key to establishing reliable credit. If you still have a line of credit available after bankruptcy, you can continue to make small purchases with it, paying off the balance in full each month. Alternatively, you can apply for a secured credit card.
3. Adhere to a strict budget.
Making smart financial decisions is the swiftest path toward financial security. After bankruptcy, one of the first steps you should take is to prepare a detailed budget. You should also work toward building a sufficient cushion of savings. You can rely on our attorneys for advice and tips specific to your situation.
Contact Patton & Dean, LLC at (913) 203-4786 for a free initial consultation. Our Kansas City bankruptcy attorneys continue to guide you even after your bankruptcy case has closed.
How to Improve Your Credit: Three Simple Steps
Rebuilding your credit doesn’t have to be a burdensome, decades-long process. As soon as your debts get discharged, you can start improving your credit by following several important strategies.
1. Dispute inaccuracies in your credit report.
Your credit report will determine which lending options are available to you and which rates apply. However, credit reporting agencies do not always accurately update these reports following bankruptcy. Your report may still reflect a high debt-to-income ratio and old debts that have already been discharged.
As part of our Complete Bankruptcy approach to legal guidance, our attorneys also offer credit repair guidance. We will closely examine your credit reports and dispute any discrepancies. We will make sure you have a clean financial slate.
2. Re-establish your credit through consistent monthly payments.
Using credit cards wisely is a key to establishing reliable credit. If you still have a line of credit available after bankruptcy, you can continue to make small purchases with it, paying off the balance in full each month. Alternatively, you can apply for a secured credit card.
3. Adhere to a strict budget.
Making smart financial decisions is the swiftest path toward financial security. After bankruptcy, one of the first steps you should take is to prepare a detailed budget. You should also work toward building a sufficient cushion of savings. You can rely on our attorneys for advice and tips specific to your situation.
Contact Patton & Dean, LLC at (913) 203-4786 for a free initial consultation. Our Kansas City bankruptcy attorneys continue to guide you even after your bankruptcy case has closed.
Real People. Real Reviews.
Past Clients Tell Their Stories
At Patton & Dean, LLC, your satisfaction is our priority! See for yourself what our clients have to say about working with us.
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I was referred by a family member to your office. I was/am impressed with your availability for questions and resolutions that have came up in the past 2 years, well almost. Keep up the good work, I have mentioned your office to some people that I know that are considering your services.Elaine R
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Judy P.
The firm educated me about the options for me and quickly had a plan of attack. Mr. Patton took care of showing me everything I needed to do and how to do it. I don't think I could have had a better experience.
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If you are needing an attorney who is responsive, caring, and treats you like you matter, this is your Firm. Both Ryan and David are extremely intelligent, but they also go above and beyond when providing their services. Highly recommend.Sharon K.
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We had a leval issue that needed to be taken care of. Ryan Patton saved our bacon. He is very professional, knowledge, friendly and both he and dean are always available personally when you call. I highly recommend this office for your legal needsStan B.
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You have always been great to answer my questions and help when I need it. Always answer when I call, I talk to a person not artificial intelligence or recording. And if I do have to leave a message someone is quick to call back. Keep doing what you do.Elizabeth B.
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“Ryan and David both were very personable as well as professional.”Deana
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This team of attorneys has gone out of their way to help me. I am impressed and thankful for all they have done for me.Jeffery B.
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Very grateful. Ryan and his team were very helpful. Thanks to them I was able to keep everything I needed. Very knowledgeable and professional. Thanks Thanks ThanksCarlos I.
