Texarkana, TX Bankruptcy Law Firms & Lawyers

To have the bankruptcy information removed from your credit report, you need to submit a dispute to the credit bureaus who are currently reporting that information. The dismissal paperwork that you should have received from the court and/or your bankruptcy attorney will serve as proof that you in fact did not receive a bankruptcy discharge and simply filed a petition for bankruptcy protection that was later dismissed. Your written disputes should be sumitted to the credit bureaus at the addresses found on their websites (they generally have a contact us tab on their websites). They will have 30 days to investigate your claim and update the information, so the change to your credit information may not happen over night, so the sooner you get this information corrected, the better. 

You may file a chapter 7 eight years after filing the last chapter 7. You may file a chapter 13 either 4 or 6 years depending on the circumstances. Please understand that filing for bankruptcy is a very complicated process. It is wise to talk to an experienced bankruptcy attorney before deciding to take this important step.

If you are unable to make your payments under a Chapter 13 repayment plan, the trustee may request the court to dismiss your case and your creditors will be allowed to continue collection efforts against you. It may be a better idea to convert your case to Chapter 7 before the case is dismissed.