Credit Reports and Debt Relief
Central New York Bankruptcy Attorney Welcomes Inquiries
If you are considering filing bankruptcy or want to review your debt relief options with the assistance of a bankruptcy lawyer, we recommend that you obtain your credit reports before filing. Before you begin working with a Central New York bankruptcy attorney, you are advised to obtain credit reports from the three major credit reporting agencies below:
- Equifax: 1-800-685-1111
- TransUnion: 1-800-916-8800
- Experian:1-888-397-3742
You can receive a free credit report from each of these agencies once a year at www.annualcreditreport.com, or by calling 1-877-322-8228.
You can expect to find most of your debts on these credit reports, including credit cards, car loans, mortgages and other consumer debts. One major exception may be medical bills. Doctors and hospitals rarely report these debts to the credit reporting agencies. Also, some consumer debts may appear on credit reports of one or two of these agencies, but not on all of them.
By reviewing all your credit reports and considering any missing debts such as medical bills, you should be able to compile a complete list of your debts — a requirement before filing bankruptcy. Your list of debts must be thorough and include all of your debt. Please be aware that if a debt is not listed in your bankruptcy, that debt will not be eliminated. A creditor can be added after filing, but the Court and our office charges additional fees to amend your bankruptcy documents at this juncture.
Discuss the contents of your credit report with an experienced, attentive debt relief attorney at the Ribarovski Law Office, P.C.
People seeking debt relief often prefer to work closely with a lawyer because they value confidential, one-on-one legal representation. If you like the idea of working closely with a sole practitioner to discuss credit reports and bankruptcy, contact the Ribarovski Law Office, P.C. Our office is centrally located in the Chase Bank "One Lincoln Center" building in downtown Syracuse.
Contact The Ribarovski Law Office, P.C.
Learn how attorney Robert Ribarovski can help you obtain and review your credit reports before filing bankruptcy. Call, contact us, or e-mail our offices to schedule an appointment for a free consultation. One of our experienced attorneys will be happy to evaluate your case and discuss all of your options for free.
