Before filing for bankruptcy, I must take an approved credit counseling course. Can you give me Seattle credit check advice on finding a counselor?

The Department of Justice's U.S. Trustee Program lists approved credit counseling agencies by state and judicial district. You can access the list at www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm. Our Seattle credit check advice is to use this tool.

Once I file for bankruptcy, will my creditors stop harassing me?

A frequently-asked question for which we can provide advice. By law, once a bankruptcy proceeding begins all actions by creditors against a debtor must stop. Creditors cannot start or continue lawsuits nor can they garnish wages. They can't even make telephone calls demanding payments.

Can I keep my credit cards?

That's up to the credit card company. Even if you have a zero balance, the credit card company might cancel the card. Our advice is to assume your cards will be canceled.

Will bankruptcy destroy my credit rating?

Credit reports will reflect your bankruptcy as well as the debts discharged for a period of 10 years. Our Seattle credit check advice: if this information isn't deleted after 10 years, consult your attorney.

Can I get credit after bankruptcy?

It's not difficult. In fact, many banks will offer you credit cards not long after your discharge. Our Seattle credit check advice, however, is to stay on a cash basis for awhile. Before using a credit card or applying for a loan, follow our Seattle credit check advice and be sure you can meet the payments.

More questions? A Resolve Legal PLLC attorney providing advice will be happy to answer them.