The Bankruptcy Center of John D. Raymond
Our office remains open, and in response to COVID-19 we have expanded our options for remote consultations and virtual meetings. Please contact our office to discuss what meeting option best fits your situation.

When your future is at
stake, we’ll help you
Get A Fresh Start.

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Credit After Bankruptcy

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

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

Serving clients throughout the entire Bay Area including:

  • Daly City
  • South San Francisco
  • Pacifica
  • San Bruno
  • Oakland
  • Berkeley
  • Richmond
  • Marin
  • And More

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.