Like many people facing bankruptcy, you may be concerned about your credit. To address these concerns, Resolve Legal, a Seattle law firm handling consumer bankruptcies, prepared the Seattle credit check advice FAQs below.

Before filing for bankruptcy, I must take an approved credit counseling course. What’s your Seattle credit check advice on finding a counselor?
Go to www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm. There you’ll find a list, prepared by the Department of Justice’s U.S. Trustee Program, of approved credit counseling agencies. The list is easy to use because it’s organized by state and judicial district. Our Seattle credit check advice: This is a valuable tool. Use it.

Will filing for bankruptcy stop creditor harassment?
Our Washington bankruptcy attorney answer: Yes. Once you file, creditors cannot start a lawsuit. If they’ve already started one, they can’t continue it. They can’t garnish your wages. They can’t even call to demand payment.

Do I keep my credit cards?
You don’t make this decision; the credit card company does. Many companies will cancel a bankrupt’s card, even if it has a zero balance. Our Seattle bankruptcy attorney advice: Assume your cards will be canceled.

Will bankruptcy hurt my credit rating?
Yes. For 10 years, your credit reports will note the bankruptcy and debts discharged because of it. Our Seattle bankruptcy attorney advice: If you find this information on your credit reports after 10 years, consult an attorney to discuss your rights and remedies.

Will I ever be able to get credit again?
Yes. Ironically, many lenders will start offering credit shortly after discharge. Our Seattle credit check advice: Resist temptation and stay on a cash basis for awhile. Some more Seattle credit check advice: Avoid credit cards and loans until you’re certain you can make the repayments.

More questions? A Resolve Legal Washington bankruptcy attorney providing Seattle credit check advice will be happy to answer them.


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Please visit http://www.resolvelegal.com for more information about Seattle Credit Check.