Bankruptcy Center of John D. Raymond
Jump to Navigation

Credit After Bankruptcy

Creative Solutions to Save Your Credit

Some people resist considering bankruptcy because they believe it will ruin their credit. In fact, the opposite is true. After filing for bankruptcy most people's credit scores start to improve, as your dept-to-income ratio is now zero.

If you have had your wages garnished, are facing foreclosure on your home, or are risking the repossession of your car, filing for bankruptcy may actually improve your credit.

At the Bankruptcy Center of John D. Raymond, we have helped thousands of people obtain debt relief and get a fresh financial start.

Contact us to schedule a free consultation.

We want to help lift the debt burden from your shoulders so that you can start building a better future for yourself and your family.

Save Your Credit

Your FICO Score — the main measure of the health of an individual's credit — determines whether creditors will lend you money, how much, and at what interest rate. The higher the score, the better. As your debt to income ratio increases, your score decreases. Every late payment decreases your credit score. If you default on your loans without filing bankruptcy, your credit is likely to be so damaged that you will not be able to repair it by yourself.

After we file bankruptcy for you, your debts will be reduced or eliminated. You can get the extra cash flow you need to avoid late fees so you can rebuild your credit.

Take Control of Your Life

If you contact us, we will help you find relief from creditor harassment and begin the steps to rehabilitate your credit.

An attorney at our firm can recommend the right solution for you. Once you hire us to represent you, creditor harassment stops that day. We will then work to reduce your debts to a more manageable level.

Your Credit Rating Can Improve

Our clients' FICO scores generally improve immediately after bankruptcy, as their debt to income ratio is reduced. Within a few short months, they start to see offers for credit cards. Car loans are available, and after a while, you can take out a mortgage.

Free Consultation with a Lawyer

To learn more about how bankruptcy can improve your credit, call the Bankruptcy Center of John D. Raymond in San Francisco, California toll free at 888.554.1065 or send us an e-mail.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Bankruptcy Center of John D. Raymond

Bankruptcy Center of John D. Raymond
2000 Van Ness Ave., Suite 205
San Francisco, CA 94109

San Francisco Law Office

Phone: 415.992.7196
Toll Free: 888.554.1065
Fax: 415.351.1033
E-Mail the Firm

Contact the Firm Toll Free at 888.554.1065.

Call Now for Help Today! | Free Consultation | Weekends and Evenings | Toll Free 888.554.1065 | San Francisco 415.992.7196 Helping People Get a Fresh Financial Start for Over 20 Years. Tell Us About Your Case

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close
How We Can Help You

Testimonials

  • "Bottom line: John and Allan are the best! These guys know their stuff and they are not judgmental. Tell them the good, bad, and the ugly and they will advise you of every conceivable solution within the confines of the law. No BS, no overcharging, and no bum rush. My wife and I messed up several times after they had helped us and they took us back anyway and got us back on track each time. We are currently doing better than ever with a bright financial future. Sincerely."
    - Tony R, Tracy, CA
  • "I never thought I would have to file bankruptcy. I always had the best credit and I'm very responsible. When my home plumped in value and I faced forclosure and still on the hook for a huge money The Bankruptcy Center of John D. Raymond had the solution. Everything was explained in great detail. I was never lost in the process, everything they said would happen, did happen ,on time and very professional. Happy to say, I still have my home!!! Allan and John are simply the best in the business."
    - Jon B, San Bruno, CA
  • "Originally from SF when I filed; however, during the filing I have become a NJ resident - I thank Mr. Raymond and Mr. Rosenthal for their guidance throughout the entire process. They are a great team - very straightforward. There patience meant everything to me going through this tough situation. I was recommended to them by a family member and I would recommend the team of Mr. Raymond and Mr. Rosenthal to anyone facing financial chaos."
    - S.J, Plainsboro, NJ
  • "In these economic times, many of us face financial & other hardships. I have had the opportunity to work with Mr. John Raymond & Allan Rosenthal on two different occasions over the past 10-12 years, & their concern, professionalism & follow-through is truly outstanding. I also have referred a couple other clients, & they report the same thing. Since the initial consultation is free & the guidance is sound, I look at it as a win-win situation all the way around, & am pleased to recommend the Bankruptcy Center of John D. Raymond to anyone facing financial difficulties."
    - Richard B, San Francisco, CA
  • "A sigle counseling session and I knew Mr John Raymond and Allan Rosenthal were the right persons for the job. Fair when talking a bout fees and they move the process so fast that you regret not have done it sooner. My case was confirmed on schedule, only three months after filing. Most definitely The BANKRUPTCY CENTER OF JOHN D. RAYMOND gets my recommendation. Mr. Raymond, Mr. Rosenthal without a doubt I will be forever thankful that I found you."
    - Alejandro O, San Francisco, CA
  • The Bankruptcy Center of John D. Raymond knows how to handle bankruptcy. When I contacted them, I was overwhelmed, confused and scared. They were able to answer all my questions and help me through the process. Thank You!
    - Tina P.
  • Please accept my sincerest thanks for all the hard work you've done for me to get through these trying times. I can now breathe a sigh of relief knowing that my financial worries are almost over, and this would not have happened without your help.
    - Leticia T.
  • Upon reading your letter I burst into tears of joy and relief. This has been the best news I have received in years. I want to thank you wholeheartedly for having represented me in court and for being available for consultation. Now I have hope again, I see the clouds of darkness and depression lifting from the skies of my my future. I feel free again, full of joy, hope and gratitude. Thank you guys, you're great.
    - Monica A.
  • My experiences with the Bankruptcy Center have been very rewarding; from the first time I entered the office I was right away put at ease. Thank you all for being there for me for these passing years.
    - Peggy
  • Thank you for helping me through the bankruptcy process. You made the process easier to understand and held my hand step-by-step during my bankruptcy case. I am grateful that both of you made yourselves so available to me. Once again, thank you.
    - S.S.
  • I would recommend this group to anyone; I received fast, efficient service at a reasonable cost. They were always available to answer any questions in a clear, conscise way. I could not be more pleased with their service and the outcome of my case.
    - George S.
  • The services rendered by Attorney John D. Raymond and his staff was excellent and their interaction with their clients, like me, was very professional, courteous and understanding. I highly recommend the services of Attorney John D. Raymond and his staff.
    - Jun C.
  • Clearly, your laser-like focus in this one area pays dividends for me as a client as you guys know what the trustee needs to see in order to approve a given plan of action. Further, it is evident when, on the few times I needed to speak with the trustees office, the clearly have respect for your firm and one of them called you "the best".
    - Carl

Privacy Policy: Your information will be used by our firm only to contact you. We do not sell your information.