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Rebuild Your Credit in 2016 Atlanta, GA

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Rebuild Your Credit in 2016

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If you are like many people, 2015 was a year of over spending, acquiring too much debt, and filing for bankruptcy. While last year may have been a year you would like to forget, 2016 can be the year that you get your spending on track and that you rebuild your credit.

Many people wonder how they go about rebuilding their credit after bankruptcy is complete. Jamie L. Gingold, PC, GingoldBankruptcyLaw.com (Formerly practicing with Gingold & Gingold LLC) wants to give you hope knowing that there is life and good credit after bankruptcy. In fact, filing for bankruptcy may be the fastest way for many people to rebuild their credit.

The first thing that anyone who is looking to rebuild credit after bankruptcy must do is to stay current on monthly bills. This simply means that you must pay your bills in full, on time. Repeatedly doing this will show creditors that you have gotten your act together and that you are now proving that you are responsible enough to handle credit.

Next, you should apply for a secured credit card. A secured credit card requires money to be deposited into an account to be used as collateral.

You can also accept a pre-approved credit card offer. You may be surprised to receive offers for credit cards following bankruptcy, but credit card companies know that a second bankruptcy cannot be declared for eight years and one day after a bankruptcy, so they are assured of payment. However, if you do accept a credit card offer – do so cautiously. It is imperative that you make your payments on time and pay off the balance each month.

Finally, buy a new car if possible. This is one of the best ways to rebuild your credit. It is important to purchase from a dealer with a good reputation that advertises giving credit to “anyone.” While you may have a higher interest rate at first, your loan can always be refinanced as your credit score increases.

At Jamie L. Gingold, PC, GingoldBankruptcyLaw.com (Formerly practicing with Gingold & Gingold LLC), we want 2016 to be a successful year for you. If you filed for bankruptcy in 2015, do not let that make you feel discouraged or defeated. There is life after bankruptcy! With discipline, you can rebuild your credit successfully for your entire future.

Posted on behalf of Jamie L. Gingold, PC

195 14th Street NE #1604
Atlanta, GA 30309

Phone: (678) 915-2634

Email:

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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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    Jamie L. Gingold, PC

    195 14th Street NE #1604

    Atlanta, GA 30309

    Phone: (678) 915-2634

    Email:

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