Credit Reestablishment A Fresh Start. A New Outlook.

Credit Reestablishment in Houston, TX

Houston Bankruptcy Attorney

Filing bankruptcy takes a toll on your credit rating, and reestablishing your score can be a daunting process. With help from the Houston bankruptcy lawyer at Payne & Associates however, you don't have to fight the battle alone. We have been helping clients recover from bankruptcy and reestablish their credit for more than 15 years.

Call us at (713) 766-0333 to discuss a custom plan for rebuilding your credit.

Your Credit Score

Credit scores are the main way that creditors establish your ability to pay back any loans. Having a high score is critical to getting the best rates and being able to make significant purchases.

Reestablishing your credit can help you:

  • Make major purchases like homes and cars
  • Start a business
  • Qualify for lower interest rates
  • Apply for credit cards or personal loans

Increase Your Credit Score

Reestablishing your credit score won't happen overnight and there are no quick fixes. Additionally, everyone's credit is different, so it's important to work with a Houston bankruptcy lawyer to create a personalized plan. At Payne & Associates, we're different from other Houston bankruptcy attorneys in that we include rebuilding and monitoring your credit into the cost of filing bankruptcy. This gives our clients the peace of mind to continue with their lives.

We help you by taking a holistic approach to reestablishing your credit and evaluating your entire financial situation. We then use those details to create a plan specific to your needs. Reestablishing your credit score takes discipline and clients must stick to the plan, but we can help you during every step of the way.

If you need help reestablishing your credit after filing bankruptcy, contact Payne & Associates to discuss your current situation and future options during a free case evaluation.

Our 3-Step Process

Designed for Your Specific Needs
  • 1. Rebuild Your Credit Score - Fast

    Most attorneys simply look at the immediate effects of a bankruptcy. Not us. We go the extra step and make sure a bankruptcy filing benefits our clients for the long-run. This means we are there to help our clients completely rebuild their lives and their credit scores as fast as possible.

  • 2. Monitor Your Credit After Discharge

    Your relationship with Payne & Associates does not end after a discharge of debt! Even in the months following a discharge, we carefully monitor your credit and how creditors are dealing with your discharge. In some instances, creditors will not remove everything, but we make sure these violations do not occur or impact your score.

  • 3. Ready to Defend Your Discharge, If Needed

    Because we are constantly and proactively looking out for our clients, we stand at the ready to defend your discharge and take action to remove any erroneous information, if necessary. Because we are understanding of the financial pressure you may be under, we will add these services for the same price as a traditional bankruptcy filing.