Life after Bankruptcy

Life after Bankruptcy

Can I get a credit card? Will I be accepted for a car or home loan? Can I file for bankruptcy again in the future if my financial problems return?

These are common questions asked by people with financial difficulties. If you’re considering bankruptcy, you might be ruined that it will ruin your credit.

Too often, people think that bankruptcy is a sign of personal failure, or something that is shameful. But actually, bankruptcy is a positive, responsible step toward rebuilding your credit. Though bankruptcy will affect your credit–and it will show up on your credit report for up to ten years–it will not completely eliminate your chances of getting credit. With time and effort, you can rebuild your credit. If you manage your debt and pay your bills on time after bankruptcy, creditors will take note of this.

There Is Life after Bankruptcy

There are positive answers to most of the issues regarding life after consumer bankruptcy:

  • Credit cards: Most of the time, you can still qualify for a credit card after bankruptcy. Because you’ve filed for bankruptcy, your rates may be slightly higher than regular credit card rates.
  • Car loans: Generally, car loans are available for people after Chapter 7 bankruptcy without requiring extra steps. For those who have gone through Chapter 13 bankruptcy, car loans are usually available as well; however, the bankruptcy trustee overseeing your case would need to approve the loan.
  • Home loans: Historically, home loans have been readily available to people after declaring bankruptcy. However, it may be more difficult to get a home loan in today’s economy (just as it is for most people). If you currently own a home and continue making the mortgage payments during a bankruptcy, you are helping to re-establish your good credit. You will be a good candidate for a new mortgage once the bankruptcy has ended.
  • Filing for bankruptcy again: You can re-file for bankruptcy after the appropriate waiting period. The waiting time for re-filing under Chapter 7 is eight years after your previous filing. For Chapter 13, you can re-file two years after the discharge of your previous Chapter 13 or four years after the discharge of a previous Chapter 7.

If you’re dealing with overwhelming debt, bankruptcy can be a fresh start. We understand your concerns, and we’re here to help.

At Horwitz & Horwitz, LLC, we are dedicated to helping people make a positive change in their lives. We want to help you get back on track financially. We’ll explore your options, answer your questions, and guide you through the process. At our firm, we work personally with each client. All of your calls, meetings, and court hearings will be handled by Barbara Horwitz, an experienced and understanding Centerville, OH bankruptcy lawyer, not a paralegal.

Contact us today for a free consultation.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

What Sets Our Lawyers Apart?

Experience the Difference With Horwitz & Horwitz
  • Over Five Decades of Combined Experience
    With over 50 years of combined experience, Horwitz & Horwitz brings the skills to handle tough cases. Whether facing criminal charges or bankruptcy, we’ll guide you toward a brighter future.
  • Reasonable Fees, Realistic Solutions

    We believe in making high-quality legal representation accessible. Our firm offers reasonable fees and focuses on realistic, actionable solutions that align with your unique circumstances.

  • Client-Centered Approach
    At Horwitz & Horwitz, your satisfaction is our priority. Our business thrives on referrals from happy clients, which speaks volumes about the trust and relationships we build.
  • Strategic and Thoughtful Representation

    Every case is unique, which is why we develop tailored strategies tailored to your specific circumstances. We work closely with you to discuss options and maintain control over the direction of your case.

  • Free Consultations Available

    We offer free consultations to provide clarity, answer your questions, and help you confidently take the next step.

  • Personalized Representation from Start to Finish

    At Horwitz & Horwitz, your case is handled directly by our experienced attorneys. From consultation to resolution, we provide dedicated support every step of the way.

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Don't just take our word for it—hear from our clients. Our proven integrity, experience, and results have made a difference in the lives of many.

    "I would recommend Jon Horwitz to anyone needing an attorney as he helped me and I felt very confident with him."
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    "I will recommend Jon to everyone."
    Jon should receive attorney of the year award in my opinion. He takes his cases very seriously. Responds to call’s within a timely fashion day ,night and on weekeneds. I can’t say that for many attorneys that I have dealt with. Has great compassion for his clients. I will recommend Jon to everyone that I run into that seeks legal advice. I truly believe that Mr. Horwitz is a very special attorney hoping God blesses him. He has been a blessing to us, we can not thank you enough Jon for all that you do.
    - Trisha C.
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    Horwitz & Horwitz, LLC provided an ideal outcome for my case. They were very responsive, reasonably priced, and were able to secure the best possible result for me in a very small window of time. I would absolutely work with them in the future or recommend them to a friend or client.
    - Colin B.
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    Jonathan Horwitz and his law firm provided me with the highest level of professional legal counsel available. The advice, representation and guidance I received throughout this very difficult process was everything I hoped for including the outcome of the case.

    - Terry W.
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    Jon was great. He was very helpful, knowledgeable and informative. He was able to work with me on my situation and was very understanding. I didn’t feel like I was just another case.
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    Handled the case thoroughly and with great care. Made a bad situation better with his guidance and help. Would highly recommend.

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