Credit Restoration

Credit Restoration

Restoring Your Credit after Bankruptcy

Going through financial difficulties can be extremely stressful, especially if serious credit damage occurs. Whether you are trying to restore your credit after filing for bankruptcy or are on the verge of damaging your credit in a foreclosure, repossession or other financial issues, our firm is here to help.

Don't wait any longer to reach out for the financial and legal counsel you need to get your credit back on track and under control. It is important to understand that no matter what caused your bad credit, it is not a permanent situation. When you talk with our Orange County bankruptcy attorney, you will quickly see there are many options available to you.

What options are available in my situation?

If you have recently filed for Chapter 7 or Chapter 13 bankruptcy or have gone through a foreclosure, it may seem like a daunting task to restore your credit. Our firm is here to help you rebuild your credit, either after bankruptcy, or after struggling with late payments or repossessions.

If you are facing credit difficulties, our firm may be able to help you with:

Short Sale
Debt Consolidation
Deed in Lieu of Foreclosure
Debit Negotiation

How Bankruptcy Affects Credit

One of benefits of bankruptcy is that you no longer owe the debt, and in fact, your credit score may actually improve after a period of time. An individual's credit score is determined by a number of contributing factors. One factor is an individual's debt-to-income ratio. This ratio is the percentage of income measured against outstanding debt. Once debt has been discharged through filing chapter 7 bankruptcy, an individual's debt-to-income ratio will be drastically lower, potentially increasing their credit score over time.

Another major step in credit restoration is making sure your credit report accurately represents your current situation. In many cases, creditors will fail to update your credit report on debts that have been discharged through bankruptcy or have been settled. Under the Fair Credit Reporting Act (FCRA), you have rights and we are well qualified to help you resolve this crucial issue.

At 1st California Law, we are dedicated to helping individuals through their financial difficulties. We do not stop at just helping individuals discharge their debts; we stick with them afterwards and assist them throughout the credit restoration process. Contact us today to discuss your financial situation with our attorney!

Read Real Reviews

LET 1ST CALIFORNIA LAW INC GET YOU DEBT FREE

“Amazing law firm to work with, very knowledgeable, & very kind!”
Amazing law firm to work with, very knowledgeable, & very kind. They made filing for bankruptcy easy. Kevin is a amazing lawyer, would definitely recommend to friends and family.

- Evelyn V.
“Kevin made us feel at ease during a very stressful time in our lives.”
Kevin is the best! He made us feel at ease during a very stressful time in our lives. His upbeat personality and thorough explanations made this whole process effortless. His communication was on point and the cost for his services was absolutely reasonable. If I ever need legal service again in the future, he is my go to guy. Love him!

- Elizabeth C.
“Being the light at the end of this scary tunnel!”
“Nobody ever hope to find themselves filing for bankruptcy but when I did, my first call with Kevin put me in such ease that I knew I found the right person to help me.”

- Leslie I.
“Made the entire process of filing my case approachable & much less stressful than anticipated!”
Kevin was absolutely fantastic to work with. He made the entire process of filing my case approachable and much less stressful than I anticipated. He was responsive, professional, and direct throughout the entire process, and personally accompanied me at my hearing. I would highly recommend his services.

- Ashley T.
“One of the best bankruptcy attorneys to work with!”
Kevin Kunde was one of the best bankruptcy attorneys to work with. He was kind, informative, courteous and very knowledgeable. I would recommend 1st California Law and Kevin Kunde services to anyone seeking debt relief assistance. Bankruptcy can be a very scary situation and I through out the entire process I felt well guided and taken care of by 1st California Law. Thank you for everything.

- Melissa L.
“Awesome attorney”
I recently filed for my Chapter 7 through Mr. Kevin’s law firm and I could not be happier with his services. All of my concerns and worries were eliminated when Mr. Kevin thoroughly explains the process of bankruptcy filing and court hearing. The actual court hearing is very simple and to the point, just as Mr.Kevin said. In all, i highly recommend Mr.Kevin as an attorney for anyone who is in need of financial debt relief. He is kind, transparent, and dedicated to his profession. I'm glad i have had a chance to work with Kevin.

- Bruce
“Great Service”
It was the best experience ever with Kevin, I consulted several attorneys regarding my bankruptcy before I went to Kevin, and Kevin was very helpful and also the fees is very good. It was so easy to prepare my filling with him and he kept me updated with everything and tell me everything I need to know even if I didn't ask for it. Kevin show up with me in court and he was very helpful in getting over this stressful situation easily and smoothly, highly recommended him and his office if you look for any financial relief advice or help. Thanks Kevin.

- AA
“Best lawyer”
I'm 100% satisfied with his service I highly recommend to anyone!

- Vivian