From Julie ...

"I have helped thousands of families restore peace and order to their lives. We listen to what you have been through in your life and help guide you with hope for a new beginning and the freedom from pressure and stress."

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Bankruptcy News

7 Steps to a 720 Credit Score

At O'Bryan Law Offices, we know that your bankruptcy is only part of your concern: You also want to get back to a normal life. This includes rebuilding your credit score as fast as possible. For years, we have been meeting with clients who are terrified about the future: How will you survive in a world that will judge you based on your credit score? This course is valued at $1000.00. ACT NOW AND CALL TO GET THIS FOR FREE!!!

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Credit Abuse and Resistance Education CARE

CARE is a financial literacy initiative that makes experienced members of the Bankruptcy Community available to teach the importance of financial education. These presentations are the perfect supplement to any financial literacy program offered by you or your school, especially to any unit on consumer credit, and they can be made during individual classroom periods or to larger student groups, including senior assemblies. CARE's primary target is high school seniors and college freshmen who are most at risk because, as hungry consumers, they are aggressively marketed by the credit card industry at at time when they carry a very low Financial I.Q. CARE is a national program by the U.S. Bankruptcy Court, WDNY and the Bankuptcy Committee of the Monroe County Bar Association. It was founded in 2002 by U.S. bankruptcy Court, Chief Judge John C Nonfo, II(retired).

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Bankruptcy Blog

Is Life Over After Bankruptcy? 11/26/14

No! Filing a bankruptcy does not mean that you will never have credit again. In fact, filing bankruptcy can make it simpler for you to start rebuilding your credit more quickly. If a Chapter 7 is a good fit for your circumstances, you can begin to rebuild in as little as 3 months. Additionally, once the discharge of your bankruptcy is complete, your debt to income ratio will already be improved. And did you know that you can qualify for an FHA mortgage as quickly as 2 years following your bankruptcy discharge?

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Do I have to be Behind on Bills before I File a Bankruptcy Case? 11/19/14

Many of the clients we work with have fallen behind on their mortgage payments, car payments, credit card payments, and many other bills. We also frequently work with clients that have not yet fallen behind on any of these bills but see that they simply cannot keep going the way they are going and will be behind in the near future. I am often asked whether someone should file now if they are not yet behind on bills or wait until they get behind on bills to file.

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