Your New Life — Free From Debt
It’s a fair question and a natural thing to worry about: What will it be like trying to get credit after filing bankruptcy? The truth is, there will be some harm done to your credit rating. But there is more long-term benefit than harm.
Remember, after you file, you will be able to pay the bills you decide to keep. Creditors like customers who make their monthly payments. Yes, you will pay a higher interest rate at first, but many people start recovering a good credit rating within a year or two.
I’m Ben Sissman, skilled bankruptcy lawyer serving clients in greater Memphis and surrounding areas in Tennessee. My experience, compassion and reliability can make a difference in your life — and your family’s future.
Your Life — Free From Debt: It Is Within Your Reach, Just One Phone Call Away
Harassment from bill collectors has probably been too much a part of your life for too long. A serene, satisfying life after bankruptcy is possible after a successful end to Chapter 7 or Chapter 13 legal process. Your home would be free from threats of mortgage foreclosure. Your car or truck would be safe from repossession and your paycheck would be intact every time, not garnished by a creditor. In time, you would be attractive to lenders again as you work hard toward repairing your credit.
Creditors Have The Deck Stacked Against People Paying Off Interest And Fees
We are raised to believe that borrowing money means paying it back. And most people work very hard to pay back their credit cards and payday loans. But the deck is stacked against borrowers, and your creditors want it that way.
I understand my clients’ initial hesitation about filing for bankruptcy. I use my experienced, compassionate, reliable representation to assure you that you are going to be OK. My reputation for results over more than 30 years of service is proof that I can help.
Rebuilding Your Credit Rating Comes Quicker Than You Think
You should be able to rebuild your credit rating in a few years if you are careful to avoid new debt, make regular payments to those you owe and avoid repeating the same mistakes that led to your financial distress.
You should also know that you are not alone — far from it. Thousands of businesses have needed to file for bankruptcy protection during our national recession. Tennessee families have been victims of predatory lending, rising health care costs and expenses associated with divorce. I am not here to judge you. I am here to help — with comforting guidance, legal knowledge and personal service that get results.
Ben Sissman, Attorney at Law, Can Lead You To A Life Free From Debt
I offer free initial consultations and maximum availability to your questions and concerns from start to finish. I look forward to serving you in any way I can.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.