When you begin to think about filing for bankruptcy, it can be scary and stressful; however, bankruptcy does not have the “failure” attached to it that you may believe.

Most people who are looking to file bankruptcy are doing so because they are in need of a new beginning or a fresh start from overwhelming debt. The Bankruptcy lawyers at the Law Office of Bardsley and Gray, serving New Bedford, Dartmouth, Fall River, Bristol County and Plymouth County Massachusetts make it both efficient and simpler for their clients to move forward with their lives.

How Filing for Bankruptcy Works

Filing for bankruptcy will, theoretically, appear on your credit for up to 10 years; however, there are ways to re-build your credit soon after filing. One way to accomplish this goal is to make timely payments on any and all debt obligations. Also, eliminating your debts greatly improves your debt to income ratio, which is a major factor in determining your credit worthiness. In fact, most former clients report receiving credit cards within weeks after their Bankruptcy Discharge and are soon afterwards able to buy homes and cars. Credit is defined as the ability for someone to borrow money. A credit report is a summary of the borrower’s payments and the borrower’s credit history. Having perfect payment history is ideal; however, you could still have more bills than manageable.

How a Bankruptcy Attorney Can Help

There are limitations, but a skilled Bankruptcy Attorney, such as Attorney James P. Bardsley, will both advise you and represent you throughout the entire Bankruptcy process. Take advantage of a FREE consultation for your bankruptcy case! Today, call the Law Office of Bardsley and Gray, New Bedford, Massachusetts at 508-985-0054, serving New Bedford, Fall River, Dartmouth, Bristol County and Plymouth County Massachusetts for a free consultation.

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