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How Long Do You Have to Wait to Rebuild Your Credit Atlanta, GA

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How Long Do You Have to Wait After Filing Bankruptcy to Rebuild Your Credit?

Understanding How Bankruptcy Helps You Get Better Credit

When you have fallen behind on your bills, filing bankruptcy can be the first step toward repairing your credit. This does not necessarily happen overnight, but generally, the sooner you file bankruptcy, the sooner you can start taking positive actions to build good credit.

At Jamie L. Gingold, PC, (Formerly practicing with Gingold & Gingold LLC), we are often asked to advise clients on how long they will have to wait after filing bankruptcy to rebuild their credit. While every case is unique, we find that, in most cases, our clients are surprised to find out how quickly they can obtain credit.

Getting Your Debts Wiped Out So You Can Make a Fresh Start

When you can start rebuilding your credit depends on when you get the bankruptcy discharge that wipes out your debts. In Chapter 7, a discharge normally takes three months. In Chapter 13, your debts are discharged once you complete your three- to five-year repayment plan.

Once you receive your bankruptcy discharge and you have a stable income, you can begin rebuilding your credit with lenders who will loan you money as long as you can repay your debts on time.

You may need to start small, but remember that once you get your discharge, you will have fewer or no debts, which will make you more attractive to lenders. Once you get credit again, as long as you make your payments on time, your credit rating will increase over time.

Rebuilding Credit After Bankruptcy · Contact Us for a Free Initial Consultation

Our firm is made up of two experienced Atlanta metro area lawyers: Ira D. Gingold, who has been a bankruptcy attorney since 1971 and Court-appointed Bankruptcy Trustee from 1971-2013, and Jamie L. Gingold, who has been practicing bankruptcy, real estate and business law since 2001.

To discuss your concerns about your credit after bankruptcy, contact us today at (678) 915-2634 or by e-mail to schedule a free initial consultation.

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    Our Client Reviews

    Jamie L. Gingold, PC
    5.0 / 5.0

    Based on 28 reviews

    Jack L.

    They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

    Karen B.

    Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

    Lyla B.

    I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

    Julie T.

    Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

    Julie T.

    I contacted getting old and getting old regarding some old tax debt and credit card debt that I needed to address and had been putting off. miss Irving in the office was very very nice and put me at ease. I met with Jaime Gingold. She was very nice and explained the procedure to me and what would be left owing to the Internal Revenue Service and the State of Georgia after my case was done. My case has now been completed and I am on my way to a new start. Thank you Gingold and Gingold for all of your help.

    Anna T.

    Amazing! Outstanding!! They went over and beyond..I would recommend them to anyone needing a lawyer!!

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