Bankruptcy Center of John D. Raymond - A Creative Debt Relief Agency
San Francisco, California •  415.351.2265

Creative Solutions to Save Your Credit

One of the most common things that causes people to be hesitant in filing for bankruptcy is that they believe it will ruin their credit. While there is an immediate effect on peoples' credit, it is often the opposite of what is perceived. If you have had your wages garnished, are facing foreclosure on your home, or are risking the repossession of your car, Chapter 7 and Chapter 13 bankruptcy may actually improve your credit. At the Bankruptcy Center of John D. Raymond Link to Firm Overview in San Francisco, we have helped thousands of people find debt relief and rehabilitate their credit.

Save Your Credit! Call the Bankruptcy Center of John D. Raymond at 415.351.2265!

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 and you owe more money, your score decreases. Every late payment, failure to pay, or charge off, 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.

If you contact us, we will help you find relief from creditor harassment and begin the steps to rehabilitate your credit. Our clients' FICO Scores generally improve immediately after bankruptcy, as their debt to income ratio is greatly reduced or eliminated. Within a few short months they will start to see offers for credit cards, as the companies know that you will not be able to file for bankruptcy again for another eight years. Car loans are available also, although many of our clients prefer to wait because the interest rates will be better in time. Even home loans are available to clients who have filed bankruptcy.

Contact a Bay Area Credit Rehabilitation Attorney

If you are overwhelmed by your debts but afraid of what bankruptcy will do to your credit, contact the Chapter 7 and Chapter 13 lawyer at the Bankruptcy Center of John D. Raymond in San Francisco at 415.351.2265. 

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

Bankruptcy Center of John D. Raymond
1255 Post Street, Suite 810
San Francisco, CA 94109
Telephone:  415.351.2265
Fax:  415.351.1033

The Bankruptcy Center of John D. Raymond provides bankruptcy debt relief for individuals in San Francisco County, Alameda County, and San Mateo County in California, including the cities of San Francisco, Daly City, San Bruno, South San Francisco, Pacifica, Oakland, Berkeley, San Mateo, Burlingame, and Millbrae.