{"id":2178,"date":"2015-01-04T16:43:19","date_gmt":"2015-01-04T16:43:19","guid":{"rendered":"https:\/\/pdxlegal.com\/?p=2178"},"modified":"2015-01-04T16:43:19","modified_gmt":"2015-01-04T16:43:19","slug":"protecting-the-fresh-start-part-one-just-dispute-it","status":"publish","type":"post","link":"https:\/\/pdxlegal.com\/protecting-the-fresh-start-part-one-just-dispute-it\/","title":{"rendered":"Protecting the Fresh Start \u2013 Part One: Just Dispute It!"},"content":{"rendered":"

As a bankruptcy attorney, I find that many clients share similar fears and concerns when they are contemplating a fresh start. These clients\u2019 number one question during our initial case evaluation is simply stated but complicated to answer: How will this affect my credit? This question has many facets and the composition of a credit score is highly complex. Usually, after a few follow up questions, what the clients really want to know is: \u201cwhat will my availability of credit be in the short term and in the long term and can I buy a house?\u201d<\/p>\n

In the short term, your credit may actually go up with a Bankruptcy Filing<\/a>! Many borrowers in need of a fresh start have tried everything to pay their creditors back prior to scheduling a case evaluation with our office and are often many months or even years behind on their bills. The filing of a bankruptcy proceeding immediately places a wall in your credit history. The subsequent discharge eliminates all negative delinquency entries from dates before the bankruptcy. For some people, the removal of all previous negative reporting sends their score up immediately.<\/p>\n

<\/span>How the Credit Score is Used<\/span><\/h2>
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