Law Office of James L. Keenan

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Personal service since 1995

James Keenan Law

Contact me for a free consultation!

PH 916.448.6923

TXT 916.715.6145

EMAIL James now!

Contact me for a free consultation!

PH (916) 448-6923

TXT (916) 715-6145

EMAIL James now!

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Sacramento Bankruptcy & Debt Relief Attorney

Get news, tips and information about bankruptcy filing and debt relief/elimination in Sacramento

Bankruptcy Credit Repair

 Bankruptcy credit repair is a way to get a fresh financial start. The common misconception is that filing bankruptcy is nothing but a negative on your credit. It's not. Filing bankruptcy, whether in Sacramento or elsewhere, is a way to eliminate debt. That is good for your credit, as most would imagine. The issue, then, is whether it is better to file for bankruptcy and have no debt, or live with the debt without a bankruptcy on your record. The answer is unique for everyone. But if you can not afford the debt you have, bankruptcy is often the best solution.

Bankruptcy credit repair is designed to restore your debt-to-income ratio, the biggest factor in your credit score. So even if you have a negative on your credit by filing bankruptcy, your debt can be eliminated. People who are considering filing bankruptcy are often in a position where they can't afford the debt they have. Normally their income is static, so there is nothing they can do to pay their debt down. Just the opposite. For most, the debt tends to grow. By the time they are robbing Peter with one loan or credit card account to pay Paul, bankruptcy is usually the best option. Why? Because with growing debt and credit accounts comes compromised credit. Too much debt, too many credit cards and an inability to pay them leads to shot credit.

Bankruptcy does no harm to someone with bad credit already. It's like putting a dent in a totaled car. It makes no difference. But by discharging, or eliminating, your debt, bankruptcy can boost your credit. It is why bankruptcy credit repair works. As this news story reflects, filing bankruptcy is more common than you think. Understandably, people don't normally discuss their having filed bankruptcy.

If you cannot afford the debts you have and your debt is growing, consider filing for bankruptcy. Not only can bankruptcy credit repair improve your finances, it can ease your mind from living with debt. Contact me for a free consultation.

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When to File Bankruptcy
Mounting Consumer Debt

Law Offices of James L. Keenan

2600 H St. Sacramento, CA 95816

Phone: 916-448-6923

Fax: 916-442-6524


Office Hours: Mon – Fri 8 a.m. – 5:30 p.m.

Evening Appointments Available

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Disclaimer: The legal information presented at this site should not be construed to be formal legal advice, nor the formation of a lawyer or attorney client relationship. Any results set forth herein are based upon the facts of that particular case and do not represent a promise or guarantee. Please contact James Keenan personally for a consultation on your particular matter. This web site is not intended to solicit clients for matters outside of the state of California.