File Chapter 7 without losing your credit lines

Using reaffirmation of a debt properly - A secret only some professionals know

People often come into out office and ask "What about my credit". "Won't bankruptcy ruin my credit?"

The short answer to this is NO BANKRUPTCY WILL NOT RUIN YOUR CREDIT.

Bankruptcy can't "ruin" your credit because your credit is already bad even though you may not even know it yet. People may say who is the lawyer to say that, he doesn't know anything about me yet and hasn't even seen my credit report.

The fact of the matter is that if you've taken the trouble to speak to a bankruptcy lawyer face to face, you've got financially problems that you need professional help with. While it's true we haven't seen your credit report yet, we haven't seen your tax returns and we don't know precisely how much debt your carrying, we know you're on the verge of financial ruin just because your talking to us.

It doesn't take a Rocket Scientist to draw this conclusion. If we walk to the door of our office and see someone come in with their clothes already wet as though it had rained, and then we look at the street and see that it is evenly wet with water, and we smell the air and feel the humidity, we know that it's just rained, even though we didn't see it rain!

You Don't Need Credit Because you Already Have Credit Through Reaffirmation!

Here at the Law Office of San Diego Bankruptcy Attorney Charles Andersen, we strive too maintain a good working relationship with all of your creditors. We know the exact person to talk too regarding reaffirmation  at each major lending institution, that our clients may have borrowed money from. This means that if you want to keep your credit lines open there is a very good chance that we will be able to do that for you.

How does Reaffirmation Work?

After we've filed your bankruptcy case, we negotiate with your creditors regarding partial reaffirmation of your credit lines. If you carrying a line with $15,000 of debt, chances are we can reaffirm less than $3,000 of debt and keep your top credit limit applicable. If you so desire, we can work through each and every creditor that you have this way.

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