Your Macey & Aleman Louisville bankruptcy attorney can help you gain a fresh start and a new life.

Your Macey & Aleman Louisville bankruptcy attorney will not only help you with your case, he will also help you can the skills and resources needed to start fresh. If you file a Chapter 13 through your Louisville bankruptcy attorney, you will be paying off some of your debts under a repayment plan. For three to five years, the court allows you a set amount to live on. A court-appointed trustee divides the rest among your creditors each month. Your Louisville bankruptcy attorney will help to ensure that you have enough money allotted for your living expenses.

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If you file a Chapter 7 bankruptcy through your Macey & Aleman Louisville bankruptcy attorney, you will walk away from most of your debt. Your bankruptcy, however, will stay on your credit reports for 10 years. You will have to rebuild your credit rating by living within your means plus building up an emergency fund. Your Kentucky bankruptcy attorney will help you work out this new aspect of your life. In addition, a Macey & Aleman' Kentucky bankruptcy attorney can help you locate friendly lenders and credit card companies.

Rebuilding your credit.

For the first six months after your bankruptcy discharge, you have to demonstrate that you have learned from your financial mistakes. You need to plan and act on a course of action that shows you to be a model of sound financial management. You will need to make all your monthly payments on time and also put money into a rainy day emergency fund. If you manage to keep a credit card, you should only use it once in a while to buy a necessity and then pay it off immediately.

If you don't have a credit card, you will need to establish good financial habits and apply for a secured credit card. You can generally apply for a secured card after six months of excellent behavior. Very simply, you will put money in an account and the credit card company will give you a credit limit at the same amount. You need to pay on a secured card as if it were a regular credit card. You will receive the deposit back only when you close the account.

When looking for a secured card, make sure you choose one that reports your good behavior to the credit bureaus. Many secured cards report as unsecured cards, so if you can keep in good standing you may start getting better offers from unsecured cards.

Nonjudgmental representation

The lawyers at Macey & Aleman understand that no one deliberately gets into financial trouble. Life is unfair. An emergency illness or accident, combined with a job loss, can cause you to miss house and car payments and exacerbate an already tenuous situation. Macey & Aleman can help you obtain a legal remedy to your troubles and help you rebuild your good credit. Added to giving you the immediate protection you need now, they can help you find the best path to a financially stable future.

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