It’s our experience that people with excellent credit don’t usually file for bankruptcy.
Most of our clients come into the bankruptcy process with a credit rating that’s already been damaged by juggling too many bills with too little money, so the practical difference, credit-wise, before and after bankruptcy is minor.
They were already paying higher rates to purchase or lease things, or needed co-signers.
What changes after a bankruptcy is that our clients are able to begin establishing a good credit history, without lingering debts continuing to tarnish their hard work.
If you’re struggling with a debt load you can’t handle, the lawyers at Zelenitz, Shapiro & D’Agostino can help you decide if bankruptcy is right for you.
Call us for a free consultation today at 718-599-1111.