Chapter 1
How to have a Stress-Free Bankruptcy

Chapter 2
What is Bankruptcy

Chapter 3
What causes people to need Banruptcy Relief

Chapter 4
What is the procedure?

Chapter 5
When you should consider Chapter 7 or Chapter 13 plans?

Chapter 6
What can Bankruptcy do for you?

Chapter 7
Common Misunderstandings about Bankruptcy

Chapter 8
Is Bankruptcy Bad?

Chapter 9
What does Bankruptcy cost?

Chapter 10
Can I file without my spouse?

Chapter 11
Does my Employer know if I file Bankruptcy?

Chapter 12
Do I lose anything?

Chapter 13
Does Bankruptcy "Ruin my Credit"

Chapter 14
Can I keep bills off my bankruptcy

Chapter 15
Bills or property in someone else's name or posession

Chapter 16
What about the Credit Union?

Chapter 17
Co-Signers

Chapter 18
What about my car?

Chapter 19
What about my House?

Chapter 20
When do creditors stop bothering me?

Chapter 21
What are Cross-collateralization Agreements?

Chapter 22
Joint Accounts with Parents

Chapter 23
When do I stop paying creditors?

Chapter 24
Gas, Electric & Phone Bills

Chapter 25
Bankruptcy & Divorce, Alimony & Child Support

Chapter 26
What Bankruptcy won't solve

Chapter 27
Chapter 13 Debt repyament Plans

Chapter 28
Will I be able to get credit again?

Chapter 29
Bill Consolidation Loans

Chapter 30
Bill Consolidation

Chapter 31
Wage Assignments, Deductions and Levies

Chapter 32
Student Loans

Chapter 33
Can I get rid of Taxes

Chapter 34
NSF Checks, Traffic & Parking Tickets

Chapter 35
Surrendering Real Estate & Time Shares

Chapter 36
Business Bankruptcy

Chapter 37
Professional Persons

Chapter 38
Do you ever "Not Get" a Discharge?

Chapter 39
About Geraci Law LLC and Peter Francis Geraci

Chapter 40
Who is the best Bankruptcy lawyer near me?

Chapter 41
What if I need a Bankruptcy lawyer near me?

CHAPTER #7 What happens to my credit score if I file bankruptcy?

Strangely, it usually goes up. Most of our clients have a credit score of below 600. Four months after filing Chapter 7, you should receive a discharge. You then have a creditor report that shows way less debt, and that you received a Chapter 7 discharge. If you are working, now you are not under pressure to pay bills you cannot pay, and can start saving. You also cannot file Chapter 7 for another 8 years, or in a Chapter 13 for another 4 years. So the lenders think you are a pretty good risk for lending, since you have little debt, and no ability to file bankruptcy, and a job. Your credit score can go up as much as 100 points.

If you had a credit score of 700 or more, and filed bankruptcy, it was a phony score, since you were overloaded with debt. Even so, after a Chapter 7 discharge, it may not change much, or it may go back up.

Regardless of credit score, after you receive a Chapter 7 or 13 discharge, you will find yourself able to buy a vehicle or house if you have the right job and down payment. The key is to save up a down payment, and not get overloaded again.

Take our Debtor Education Course taught by attorney Peter Francis Geraci as soon as you file for either Chapter 7 or 13. Or even before filing for $25. It will help you understand how to raise your credit score.