Q; Should I file for bankruptcy?

A: Bankruptcy is a turning point that people consider when credit card expenses and other lines of credit or collections accounts become too much to handle. Filing for Chapter 13 bankruptcy allows you to keep all of your property, but you would have to pay your unsecured creditors (like credit card companies) an amount equal to the value of your nonexempt assets. This step is typically recommended after all options have been exhausted in repairing your credit profile yourself or through a delegated company or representative. (We offer form preparation assistance if you need help as well.)


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Q: How high can my FICO score go?

A: It depends on if it's industry specific or in general. It typically ranges between 300-850. However if it is industry specific, it can be as broad as 250-900. Most importantly, just know that the h

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