Is Bankruptcy Right for You?

5 Stars

Joey C

After months of talking to bankruptcy attorneys and looking for one that was honest and trustworthy, I was fortunate enough to find Sun Coast Law. They were completely honest from day one, and was so thorough in walking me through the process. The staff is incredibly easy to work with, and they are so detailed to make sure you have everything complete, correct, and ready to go. I can honestly say that what seemed to be the hardest choice of my life turned out to be the easiest, worry free process. I truly am grateful to have had such a great team working for me.

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Life After Bankruptcy

While creditors may want you to believe that filing for bankruptcy will ruin your life, we can assure you, that’s not the case. Our bankruptcy team has years of experience with clients before and after bankruptcy and can tell you what to expect after the process is complete. SunCoast Law have helped thousands of people just like you get out from under the heavy burden of debt and go on to rebuild credit and establish positive creditor relationships once again. Our attorneys are here to give you straight answers about bankruptcy, and the short and long-term effects it can have on you and your finances.

Credit Rating

While it’s true that a bankruptcy, either Chapter 7 or Chapter 13 will lower your credit scores immediately, it may not be as bad it seems. Many lenders are more willing to extend credit to you after a bankruptcy than another individual who is buried in monthly payments they can’t afford. Bankruptcy allows for more available income to be applied to credit accounts now.

Credit Potential

You can begin to rebuild your credit immediately following bankruptcy. You may be able to open a small savings account at a credit union and make regular deposits monthly. After building up the balance, you can apply for a small loan and borrow against the savings. Once you make timely payments to the credit union, you will begin to build good credit that gets reported to the credit bureaus. In time, after paying off the loan, you can open other accounts that contribute to your credit scores as well.

Mortgage and Rent

You will not necessarily lose your home by filing bankruptcy, unless you make the decision to let it go because payments are too high. If you choose to do this however, most apartment complexes will still rent to you with a bankruptcy on your credit history. In a few short years you’ll qualify once again for a home loan and can buy property then.

Car Loans

While you will pay a higher interest rate for an auto loan after bankruptcy, many auto dealerships will make you an auto loan as soon as one year following bankruptcy.

Moving Past Bankruptcy

While filing for bankruptcy is a serious life event for many people, it doesn’t necessarily have the negative consequences you might fear. To get the answers and information you need before making a decision, contact SunCoast Law for an initial consultation at, (844) 330-2727.

We offer debt relief solutions in compliance with U.S Bankruptcy Code.

Our Locations


1209 Edgewater Drive

Suite 203A

Orlando, Florida 32804

(407) 413-8400

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400 N Ashley Street

Suite 1900

Tampa, Florida 33602

Fort Myers

8831 Business Park Dr

Suite 301

Fort Myers, Florida 33912


10751 Deerwood Park Blvd

SouthWaterview II, Suite 100

Jacksonville, Florida 32256