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Can I Open A Bank Account Or Get A Credit Card After Bankruptcy? Call (703) 494-3323 or visit https://fishersandlerlaw.com and ask us about our 👉$0 Down Bankruptcy Program today.👈
Are you struggling to keep up with your bills? Are you tired of feeling like you're drowning in debt? Fisher-Sandler can help. We offer a no money down chapter 7 bankruptcy. This means you can get the fresh start you need without having to pay a penny upfront. Don't wait any longer. Get the debt relief you deserve.
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Your bankruptcy must be fully discharged before you can apply for a new credit card. If you file chapter 7 bankruptcy, your debt will likely be discharged in four to six months. If you file chapter 13 bankruptcy, it will be three to five years.
You cannot apply for any new lines of credit—including a credit card—while your bankruptcy proceedings are in progress without court approval. The amount of time it takes to settle and complete your bankruptcy proceedings will determine when you can apply for a credit card.
The best move is to apply for a card designed for someone looking to build their credit. A secured card is an ideal card for this purpose and even with a fresh bankruptcy you may be able to get approved. With a secured card, the credit limit you receive is typically equal to the amount of the security deposit you put down.
If you filed for Chapter 7 bankruptcy, you should be able to get a secured card as soon as your bankruptcy is discharged. If it was Chapter 13 instead, you’ll need the approval of the trustee during your payment plan.
After your bankruptcy is discharged, you may still have difficulty getting approved for a new credit card at first. Some issuers may deny your application simply because there’s a recent bankruptcy on your credit report. However, some lenders might be more lenient. That’s because of rules that restrict when you can file for a second bankruptcy, making you a low risk of filing for bankruptcy again.
During bankruptcy, your current bank is very unlikely to allow you to keep your account if you have an overdraft or other debts with them. If they do close the account, any money left in your account will usually be given to the official receiver (OR), although the OR may allow you access to some of the money if you need it to cover essential living costs
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Fisher–Sandler, LLC
12801 Darby Brook Ct #201
Woodbridge, VA 22192
(703) 967-3315
MPGP+78 Occoquan, VA
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Fisher–Sandler, LLC
3977 Chain Bridge Rd #2
Fairfax, VA 22030
(703) 691-1642
RMWV+PG Fairfax, Virginia
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Fisher-Sandler, LLC
8002 Discovery Drive, Ste. 422
Richmond,VA 23229
(804) 664-3643
JF34+P3 Richmond, Virginia
https://fishersandlerlaw.com/bankruptcy-attorney-richmond-va/
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Fisher-Sandler, LLC - Fredericksburg, VA
1930 William Street
Fredericksburg, VA 22401
(540) 274-5566
7GW5+33 Fredericksburg, Virginia
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Related Videos:
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*DISCLAIMER*
The information in this video is not intended to provide legal advice or to create an attorney-client relationship; but is intended for general education and information purposes only. Laws change periodically, therefore the information in this video may not be accurate. It is imperative that you seek legal counsel in order to determine your rights and obligations under the law and based upon your specific circumstances.
Chapter 7 and Chapter 13 Bankruptcy Explained
We are familiar with the word bankruptcy but we are oftentimes confused about the main difference between Chapter 7 and Chapter 13 bankruptcy. Having this information on hand will make it easier for us in case we need to file one.
Keeping Your House in BankruptcyBankruptcy lawyers are frequently asked about whether or not they can keep their house if they file for bankruptcy. In general, the answer is yes, so long as you have no more than $125,000 equity.
Forced Into a Credit Reduction - Is it Time For Bankruptcy?In order to minimize their losses, a great number of credit card companies are not only refusing to extend credit to new borrowers but are also taking a close look at the accounts they already hold. As a result, hundreds of people are receiving letters from their credit card companies informing them that they will be reducing their credit limits.
Protecting Your Cosigners During Your Bankruptcy ProceedingsThe decision to file for bankruptcy is often very difficult. There are quite a number of financial considerations to keep in mind, including your ability to borrow and your immediate credit score.
Credit Companies and Bankruptcy - To Forgive Or NotThere's no doubt about it. Rising unemployment rates, reduced income households, and rising prices are making it more difficult than ever before for people to keep up with their bills.
Bankruptcy Or Death?Exactly how far would you go to avoid bankruptcy? Would you change your phone number? Move out of state? Flee to another country?
Discharging Tax Debts in BankruptcyIf you are considering bankruptcy because of tax problems, then you will benefit from reading this article. Most people believe that taxes cannot be discharged in bankruptcy. This myth is not true. There are some technical rules that allow tax debts to be discharged in bankruptcy. If you meet each of the following requirements, then your taxes can be discharged.
Is Bankruptcy Right For YouKnowing the best solution when you have a debt problem can be difficult if you have never been in a debt situation before. There are a number of options available which will depend on your individual circumstances.
America Reinvents and Bankruptcy RedefinesThe stigmas of bankruptcy can be lifted as America reinvents itself. Barack Obama's new plans to reinvent America parallel the basic principles of bankruptcy. Bankruptcy is an opportunity.
Get Fully Versed With Chapters 7, 11, 12, and 13Hardly anyone living in the U.S. that is not a bankruptcy attorney knows that there are presently seven different ways of filing for discharge. Even if they do know, then they almost certainly wouldn't know what the differences mean, or how those differences could affect them, or which one might be best for them.
Benefits of an Individual Voluntary AgreementIndividual Voluntary Agreement or in short IVA is a financial alternative for people who want to avoid extreme situations like bankruptcy. IVA was established by British Government Insolvency Act in 1986.
Do it Yourself Bankruptcy Filings Increase Across the USThe rise in unemployment and the severe downturn in the economy has resulting in the number of people opting for a do-it-yourself bankruptcy to increase dramatically. If you've made the decision that a bankruptcy filing is your best move to get out from under your current debt burden, rest assured you're not the only one.
Bankruptcy and Bad Credit - Can You Get a Personal Loan After Filing For Bankruptcy?Bankruptcy and bad credit are considered one and the same. This often deters many from seeking chapter 7 or chapter 13 bankruptcy.
Bankruptcy Trustees - Helping You in Chapters 7 & 13If your debts have gotten to the point where you're unable to pay them, declaring bankruptcy may be your best decision. We live in a society that encourages debt, and in this economically challenging time, it's easy to let your debts get away from you, to find your life being run by your debts. Fortunately, the US Bankruptcy Code has two very common options for individuals declaring bankruptcy: Chapter 13 and Chapter 7.
Rebuilding Your Credit After Filing BankruptcyFiling bankruptcy is a serious blow to anyone's credit; however, it is possible to rebuild your credit standing within a reasonable amount of time. The amount of time it takes to rebuild your credit varies from person to person; but, for for most who file, bankruptcy is actually the first step on the road to rebuilding your credit standing rather than the last.
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