About Us
The Law Offices of M. Tilden Moschetti provides affordable and quality bankruptcy representation. Even though we have filed many of successful consumer bankruptcy cases, we understand that each client presents a unique set of circumstances and special needs which require individualized attention. We are a Debt Relief Agency. We help people file for relief under the Bankruptcy Code.
Bankruptcy can be a fresh start
The stigma once associated with the filing of bankruptcy case has long since faded. Creditors have a relatively new outlook on those who have received a bankruptcy discharge. Historically, debtors were “branded” and “scarred” as a result of a bankruptcy filing. Creditors shunned the discharged debtor, who’s bankruptcy appeared as a scarlet letter once did.
Creditors now realize that such discrimination was actually a mistake. After you receive your Chapter 7 bankruptcy discharge, you become ineligible to file Chapter 7 again until eight full years have lapsed. The fact that you have an eight year bar to file again, coupled with the fact that you no longer owe any of the discharged debt, makes you fair game. In fact, creditors will often solicit discharged debtors to open a new account; in some cases, even with the same entity that was included in the bankruptcy.
Creditors do not make money off of you unless you are paying them interest, over the limit fees, balance transfer fees, ATM fees, late fees, and penalties. So, who would be a lower risk to extend credit to… a recently discharged debtor who is used to carrying credit card balances and making minimum payments (and cannot file Ch 7 again for 8 full years), or someone who has never had a credit card in their life? If you chose the former, you are correct.
Rebuilding credit
When you get your bankruptcy discharge the Law Offices of M. Tilden Moschettiwill provide you with valuable information to enable you to rebuild your credit as soon as possible. It is not uncommon to become qualified to buy a home within a couple of years of bankruptcy discharge. By eliminating unpayable debt, you will be in a better position to begin saving again.
Contact us
If you'd like to set up a free consultation by phone or in person, please do not hesitate to contact us. Call us at (415) 399-0970 or simply complete this form and we'll contact you within one business day.