Life After Bankruptcy

Free and Clear

It starts simply enough. You get behind due to a layoff, reduced hours, an emergency, illness, or death in the family and miss a few payments. Then the bills start piling up. Creditors start calling you at home and at work — up to fifteen times a day. Enough!

Now is the best time to get rid of crippling debt, rebuild credit and start fresh. Once you take that important first step toward solving financial problems, you will feel better. Call an experienced Pittsburgh, Pennsylvania, bankruptcy attorney at Gross & Patterson at (412) 567-4732 and take a load off your shoulders.

Don't File for Bankruptcy Alone

Filing bankruptcy is tough to do by yourself. You have to gather information, file a petition, attend a meeting of creditors, and negotiate on your own behalf in the shortest possible time.

You have to take a credit counseling class before filing and take and approved debtor education classes before receiving a discharge.

Get Well-Grounded Bankruptcy Attorneys on Your Side

Our attorneys have more than thirteen years of experience in bankruptcy law. We understand that you have many questions and can provide smart answers. "Will I be able to get credit again after going through bankruptcy? Can I get another mortgage?"

It IS a lot harder to get credit these days. If you successfully complete your petition or Chapter 13 payment plan, you most likely will qualify for credit again in a year or two after discharge. Follow these recommendations while in bankruptcy:

• Chapter 13: Stick to your payment plan. Your credit score will increase while you are in bankruptcy as long as you make monthly payments on time.
• Chapter 7: Eliminating unsecured debt also increases your credit score.

When you do qualify for credit, your interest rate may be higher at first. If you make those monthly payments on time, your FICO score should increase, leading to lower interest rates over time.

The Gross & Patterson, LLC attorneys are committed to providing you the fresh start you deserve. We are patient and professional, willing to answer all your questions and provide solid answers. Start with our common questions. We have a long list of tools to help you get out of debt, including Chapter 7, Chapter 11 and Chapter 13 bankruptcy. Schedule a free consultation with an experienced Pittsburgh bankruptcy lawyer today.