Michael Koch, Esq. Lockhart, Britton & Koch Michael Koch, Esq. Lockhart, Britton & Koch
A Friendly Attorney Who Takes The Fear Out Of Bankruptcies And Estate Planning
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La Mesa Bankruptcy and Tax Legal Blog

Rebuilding credit after declaring bankruptcy

Dealing with large amounts of debt is a difficult situation. While declaring bankruptcy can be an option to help people move on, many are reluctant to do so.

One reason some people are hesitant to declare bankruptcy is they’re concerned what will happen to their credit. It’s true that there may be a short-term hit to your credit score. The good news is that this is temporary. With the proper actions, people can repair their credit following bankruptcy.

Pros and cons of chapter 7 and chapter 13 bankruptcy

Being in debt is a horrible situation for anyone. Deciding whether to file bankruptcy is not any easier. Bankruptcy does offer a chance to move forward though. Some people considering bankruptcy are not aware that there are two types available: chapter 7 and chapter 13. Both types have pros and cons to weigh.


Michael Koch, Esq. Lockhart, Britton & Koch
Allied Plaza
7777 Alvarado Rd,
Suite 622
La Mesa, CA 91942

Phone: 619-880-4354
Fax: 619-698-2957
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