You can rebuild your credit after Bankruptcy. A Bankruptcy can be on your credit report for 7-10 years, but you can rebuild your credit usually within 2-3 years if you have decent income and you pay your obligations on time after bankruptcy. After your debts are discharged, your debt to income ratio improves dramatically. Get a new credit card, even if it is secured and use it and pay it off monthly. Pay your secured obligations on time and your credit will improve.

If you have fallen behind on your bills and are being harassed by creditors contact Tom Conlon, a bankruptcy lawyer Sacramento at (916) 971-8880 to see if you qualify to file bankruptcy and get a new fresh start.