Will I ever be able to obtain credit again?

If you already have slow or bad credit, you will find that bankruptcy will actually help to improve your credit score.  As a general rule, a person’s credit score will increase by approximately 100 points within fifteen months of obtaining a bankruptcy discharge.  You can obtain credit relatively easy after filing bankruptcy.  You will pay higher interest rates the first couple of years after your case is discharged.


This answer does not create an attorney/client relationship and is for informational purposes only.  We are a law firm licensed in Georgia.   A consultation with a qualified attorney in your area is required to determine specific legal advice as to your situation and applicable law. We are a law firm designated by Congress as a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.

Angie Seymour
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Bankruptcy Attorney Serving Augusta, GA