Credit Repair

Empty pockets of a man

How to Recover After Bankruptcy

Most of us hope that we never experience bankruptcy; however, there is no telling when we could become its victim. Bankruptcy might be a taboo word for most people, but it isn’t new – it is a fact of life. Despite what people might say, it is possible to recover from it. Here is how you can get back on your feet after bankruptcy.

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How Bankruptcy Affects Your Credit

Most people don’t file for bankruptcy because they want to avoid its detrimental effects on their credit. Bankruptcy stays on the credit reports for a maximum of ten years, and it can seriously hurt your credit. However, if you don’t file for bankruptcy and let your debts go to collections, it will also negatively affect your credit. Whether you file for Chapter 7 bankruptcy or Chapter 13 bankruptcy, your credit score will decrease from 160 to 230 points. Since

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