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Can I file for bankruptcy?

[Monday, June 10th, 2013]

Yes, you can. But think carefully before you do it. If you haven’t tried to negotiate or work a repayment plan with your creditor, it is the right time to do that. Some issuers are ready to help their clients.
When you file for bankruptcy, you should be ready for the consequences. The bankruptcy makes it harder, if not impossible, to obtain a credit for up to several years. The bankruptcy will surely impact your credit history and credit score because it may be reported for up to 11 years.
If you decided to file for bankruptcy, don’t forget to request a copy of your credit report from three major credit bureaus – Equifax, Experian, TransUnion – before and after you file for bankruptcy. Make sure the information in your reports is accurate. If not, request that it be changed to reflect what actually occurred.

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AcclaimVisa.com is an independent, advertising-supported web site. AcclaimVisa.com is compensated by the credit card issuers whose offers appear on our site. This compensation can impact how and where credit products appear on our site, including, for example, the order in which they may appear within product listings. AcclaimVisa.com does not offer, review or present all available credit offers.

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