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Life After Bankruptcy
When your bankruptcy is over, it is time to start rebuilding your credit and get back to the life you once had or the life you have always wanted. Bankruptcy gives you a fresh start and a second chance with your credit and finances. There is no reason to waste energy on feeling guilty about a past bankruptcy. There are several things you can do to start rebuilding your credit and build a financial future. Tips for rebuilding credit:
- Create a realistic budget and pay all bills on time
- Open credit cards that will help you build credit
- Obtain financing for vehicles or homes
After your bankruptcy has ended it is important to keep track of your credit score and to stay within your planned budget. Taking a money management course after your bankruptcy will help you learn how to manage your finances and plan for the future. The Utah bankruptcy attorneys at LeBaron & Jensen, P.C. to learn how to make the most of life after bankruptcy.
Call LeBaron & Jensen, P.C. to learn about life after bankruptcy today at (801) 773-9488 in Layton.
Credit Cards and Bankruptcy
After you have completed bankruptcy, you will notice that when you are approved for a loan or credit card, the interest rate is much higher than interest rates you have previously qualified for. This is the time when you need to start rebuilding your credit. One way to rebuild credit is to open a new credit card. Opening a credit card and making scheduled payments is the best way to show creditors that you are responsible to pay your future debts.
Tips for reestablishing your credit with credit cards:
- You will only qualify for high rate credit cards
- You may qualify for a credit card if you open a savings account to secure the card
- Make all credit card payments on time
- Be responsible with credit and don’t borrow more than you can repay
Call LeBaron & Jensen, P.C. for help with credit cards after bankruptcy at (801) 773-9488 in Layton.
Repairing Your Credit After Bankruptcy
There are several ways you can start repairing your credit after bankruptcy. If you choose to live without credit cards and loans your overall financial health will benefit but your credit score will remain low and you will be unable to attain credit in the future. When you do get a credit card or a loan, it is important to remember not to max out credit cards or take out loans that you are unable to pay on time.
Here are a few tips for rebuilding your credit after bankruptcy:
- Check your credit report frequently to make sure your bankruptcy and discharged debts are being reported appropriately
- Complete financial management counseling and stick to the budget you have created
- Open new credit cards and start new loans to establish a higher credit score and prove to creditors that you are able to make scheduled payments on your debt
- Use auto pay options to make all payments on time
- Pay all student loans and non-dischargeable debts on time
- If you can’t get a credit card on your own, open a secured or prepaid credit card to start reestablishing your credit
- Don’t max out your credit cards. The lower your ratio of outstanding debt to available credit, the better your credit it will be
Life after bankruptcy doesn’t have to be scary or look bleak. There are many ways to make sure you get back to where you were or even, in a better financial situation. Contact the LeBaron and Jensen Attorneys in Layton today to help you with your life after Bankruptcy.
We’re a talented group of attorneys interested in helping our clients get a fair settlement for their Personal Injury Cases.
Our clients are grateful for support and compensations we have helped them receive!
The attorney's at LeBaron & Jensen share a will to win, but not at your expense. They're caring, transparent and competent attorney's with a strong work ethic. I've enjoyed working with Chase Adams who helped settle a dispute. He proved to be resourceful, diligent, thoughtful and responsive. Personality is as important as the attorney's skill set and experience. Chase Adams will take his time to make sure your expectations are in line with your needs. A settlement is always better than negotiating or fighting with difficult to read Pleadings. What is Chase's strategy? To get great results and stay out of court. But if your case warrants court, Chase Adams is comfortable in front of a judge and at the settlement table. You'll enjoy the effort that the attorney's with LeBaron & Jensen will make to minimize your expense and maximize value.
Darrell C.
- Lebaron & Jensen gets the job done! A fabulous firm that effectively gets to the heart of the matter and represents you the way it should be done - as an experienced and successful advocate! They are communicators and always keep you "in the know"!Positive: Professionalism, Quality, Responsiveness, Value
John C.
- LeBaron & Jensen are awesome to work with, they answered all our questions and helped steer us in the direction to best extinguish our situation quick and cost effective I would highly recommend them.Positive: Professionalism, Quality, Responsiveness, Value
Kory D.
I had a great experience with LeBaron & Jensen P.C. They kept in contact with me throughout the entire process, and were extremely informative and explained anything I didn’t understand about the proceedings of the case. I would highly recommend LeBaron & Jensen to anyone seeking Legal representation. I was driving westbound on Highway 193 in Clearfield Utah, when I came to the intersection of 1000 East and Highway 193. I noticed that a firetruck was travelling east towards the intersection with its emergency lights on, all traffic around me, including myself, slowed to a stop to allow the firetruck an unimpeded path to travel. However, I noticed the Jeep behind me wasn’t slowing down. There wasn’t anything I could do to avoid the collision, so I just braced for impact. Although I was wearing my seatbelt, I still suffered many injuries to my neck, shoulders, back, and arms. About a month after the accident I finally sought medical help for my injuries. I underwent many years of treatment for my accident-related injuries, including a carpel tunnel surgery and 2 rhyzotomy procedures, x-rays, MRIs causing me to incur over $60,000 in medical expenses. I decided I should seek legal help with my case, as I knew there was no way I could pay my medical expenses on my own. The legal team at LeBaron & Jensen were exceptional. They were able to negotiate with my health insurance and medical providers, lowering costs where they could. When all my legal and medical fees were paid, I was left with over $79,000. This money will help me pay for the future treatment that I will have to receive to try and help alleviate my future pain and suffering. I’m grateful for LeBaron & Jensen P.C. and everyone there who helped with my case! I thank them every day for the patience and persistence it took to see this through to a beneficial end.
Lora B.
- LeBaron & Jensen did a great job for me, kept me informed throughout the process, and helped make sure that my case went smoothly. I would absolutely recommend them to anyone who needs responsive, compassionate, and helpful lawyers who care about their clients”.Positive: Professionalism, Quality, Responsiveness, Value
Paul B.
LeBaron & Jensen did a great job for me, kept me informed throughout the process, and helped make sure that I got the compensation I needed. I would absolutely recommend them to anyone who is suffering after an accident like mine. I was driving eastbound on Highway 193, a four-lane highway in Layton, Utah. I came to a stop at the two-way intersection of Highway 193 and North Hills Drive. The other driver failed to yield to my right-of-way and proceeded southbound through the intersection, I wasn’t able to stop fast enough, and I T-boned the other vehicle at a high speed. The impact of the crash was so severe that it triggered my vehicle’s airbags. The severity of the crash caused many serious and extensive injuries to my neck, back, shoulders, and head. Thankfully, I was restrained by my seatbelt, which prevented any worse injuries. I had to receive treatment for over a year and a half following the accident, including surgery on one of my shoulders. I was faced with $76,000 in medical bills. I knew I needed help, so I contacted LeBaron & Jensen P.C. Their attorneys worked diligently and negotiated with my insurance providers. After paying all my medical and legal fees, I was still able to pocket $51,000 to compensate for the pain, and suffering I endured because of the accident.
Ted D.
In January of 2014, my husband was involved in a terrible accident. He was driving on highway 89 in Wellsville, UT, when another driver ran a stop sign and pulled out in front of him. He tried to swerve out of the way, but he wasn’t able to avoid hitting the other vehicle. The resulting impact was so severe that even though he was wearing a seatbelt, he was violently thrown around in the cab of his truck and, as a result, hit his head on the windshield. This caused many injuries to his shoulders, back, and neck. My husband also suffered massive bruising and internal damage, and that’s not even the full extent of the injuries he suffered. He had to receive extensive treatments, including several shoulder surgeries, to try and help alleviate the pain he suffered because of the accident. Even after he underwent all those treatments he was still left in immense pain, and to top it all off, he was diagnosed with cancer in July of 2016. He decided to put off treatment for his shoulders to try and focus on his cancer treatments. He passed away in October of 2017. LeBaron & Jensen were there fighting for us through it all. They were able to get a settlement that covered all of Robert’s accident-related medical bills and all the required legal fees and additional money for his pain and suffering as a result of the accident. I’m so grateful for LeBaron & Jensen and all their support for myself and my husband through the years.
Ruth B.
- Positive: Professionalism, Quality, Responsiveness
Abriam B.
- When I tried to get coverage from the other driver’s insurance, they denied it. They told me that they had canceled the policy only a few days before the accident. The attorneys at LeBaron & Jensen P.C. were able to force the other driver’s insurance to pay out her policy limits of $25k plus replacing my car. I even ended up with a little money to set aside, that was important because this accident left me permanently disabled. The LeBaron & Jensen team negotiated with my health insurance provider and my other health care providers to reduce the costs of my medical expenses. I am very thankful for their professional service, and hard work. I couldn’t have negotiated on my own, I needed every ounce of energy to recover.Positive: Professionalism, Quality, Responsiveness
JoNell R.
- Positive: Professionalism
Wallace H.
Contact LeBaron & Jensen Attorneys Today.
LeBaron & Jensen has decades of combined experience handling a variety of personal injury cases throughout the mountain states. We provide free, no-obligation consultations for a variety of personal injury claims.
LeBaron & Jensen, P.C.
1241 N Main St, Layton, UT 84041
Email: miles@lebaronjensen.com
Phone: 801.773.9488
