Post Discharge A Fresh Start. A New Outlook.

Post-Debt Discharge Services

After Your Bankruptcy, Call Our Houston Lawyers

When you’ve gone through a Chapter 7 or Chapter 13 bankruptcy, keeping on top of your credit score is of critical importance. Many people, however, do not have the time, the understanding, or the knowledge of how to do it. The Houston bankruptcy attorneys at Payne & Associates are experienced at helping clients rebuild their financial lives. We're compassionate and vigilant, working hard to get you back on track.

Call us at (713) 766-0333 to learn more.

Free Credit Monitoring

Unlike many other bankruptcy firms, our relationship doesn't end when your bankruptcy has been discharged. Instead, we continue to work with you on one of the most important parts of the process: rebuilding. Our Houston bankruptcy lawyer works to ensure that your credit is reported correctly, as many creditors will still try to report incorrect data on your credit report.

Following the discharge of your debt, a creditor or reporting agency cannot report:

  • Any debt that is current owed
  • Any debt that is delinquent
  • Existing debt converted to a new type of debt

Your credit report must be monitored very closely to ensure that these items are not reported incorrectly. When you work with us, if we see that something is incorrect, we can contact the appropriate credit reporting agency to get the item corrected or removed and may be able to dispute the error until it is completely removed from your report.

Experience When You Need it

Our goal is to make the process of bankruptcy and post-discharge as stress-free as possible for our clients. Our Houston bankruptcy attorney has more than 15 years of experience working on post-discharge services, and we stand ready to help you through the difficult procedure of rebuilding your life.

Get on the road to financial freedom with Payne & Associates. Contact us for a free consultation.

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.