What happens after you file bankruptcy? How long will it take someone to get back on their feet?

Usually, chapter 7 takes about 3 to 4 months to complete. The way you’ll know it is completed is you get an order from the court.  It is called Discharge of Debtor. A discharge means a complete forgiveness of all your debts. Certain debts like recent taxes, student loans, restitution, and many other never get discharged. Immediately after that, you can contact me and I can start  credit restoration for you. I can give you more than 100 different ways on things that yo9u can do to restore your credit and improve your credit score while I do my thing trying to remove the bad things from your credit report. Within 12 to 18 months it is not uncommon for you to have a score of 650 or above. Sometimes within a few months of you getting a discharge, you get offers from credit card companies offering you credit cards. Some people are very shy. They don’t want to take credit cards. I say take every credit card that they offer you. Just use them wisely. Don’t do it like the last time. That’s all because you will need these credit cards to build credit. In a chapter 13, you can actually start fixing your credit the moment you file your bankruptcy. You don’t have to wait for 5 years until the bankruptcy is over. I have plenty of clients that I’m working on right now who are in an active bankruptcy and they already have scores of 650 and above.