Bankruptcy Lawyer Bountiful Utah

bankruptcy attorney bountiful utah

Bankruptcy Lawyer Bountiful Utah

Ascent Law LLC (801) 676-5506 Free Consultation

bankruptcy attorney bountiful utah
bankruptcy attorney bountiful utah

Can I Get a Secured Credit Card During Chapter 13 Bankruptcy?

If you’ve recently filed for chapter 13 bankruptcy and need to rebuild your credit, you may wonder if you can still get a secured credit card. The short answer is yes. However, you’ll need to show that you’ve made payments on time and have not defaulted on any of your loans. In order to get a secured credit card, you’ll need to show proof that you’ve been making regular payments since your bankruptcy.

Applying for a secured credit card

If you are currently in the midst of a chapter 13 bankruptcy, you might be wondering what your options are for getting a secured credit card. A secured credit card allows you to make purchases with a cash deposit that you make to the card issuer. However, you should be aware that a secured credit card issuer can decline your application if you can’t make your payments on time. Bankruptcy debtors are more likely to be declined than non-bankruptcy debtors.

Although a secured credit card has some drawbacks, it is important to remember that it is still possible to build a credit score through its responsible use. As long as you make your payments on time, the secured credit card issuer will report your on-time payments to the major credit bureaus. You should try to find a secured credit card issuer that will report your on-time payments to all three credit bureaus. You should also avoid lenders with annual fees and application fees.

Rebuilding credit after bankruptcy

Credit score providers tend to put more weight on recent events than previous ones, so the best way to recover after bankruptcy is to make on-time payments on all your accounts. This will improve your credit score within two years. You should also try to open new lines of credit. While some lenders may be wary of you due to your bankruptcy record, you will find it easier to get approved for a new line of credit if you make a few responsible payments each month.

The first step in regaining your credit is to get encouragement. You can do this by keeping a track of your credit progress in an excel document or Google spreadsheet. You can also sign up for a free credit-tracking website to monitor your progress. Keep in mind that your credit report will still contain information from your bankruptcy filing, which will negatively affect your score.

If you have any questions, you can get a free consultation with Ascent Law LLC:

Ascent Law LLC:
8833 South Redwood RoadSuite C
West Jordan, UT 84088
(801) 676-5506

When you need a Divorce Lawyer, contact this law firm:

Michael R. Anderson, JD

Ascent Law LLC
8833 S. Redwood Road, Suite C
West Jordan, Utah
84088 United States

Telephone: (801) 676-5506
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Bountiful, Utah

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Bountiful, Utah
Mueller Park Trail a popular hiking trail located in Bountiful,Utah

Mueller Park Trail a popular hiking trail located in Bountiful,Utah
Location in Davis County and the State of Utah.

Location in Davis County and the State of Utah.
Coordinates: 40°52′47″N 111°52′18″WCoordinates40°52′47″N 111°52′18″W
Country United States
State Utah
County Davis
Settled September 27, 1847
Incorporated 1892
Founded by Perrigrine Sessions
Named for Bountiful (Book of Mormon)

 • Mayor Kendalynn Harris

 • Total 13.22 sq mi (34.23 km2)
 • Land 13.19 sq mi (34.17 km2)
 • Water 0.02 sq mi (0.06 km2)

4,797 ft (1,462 m)

 • Total 42,552
 • Estimate 

 • Density 3,333.41/sq mi (1,287.07/km2)
Time zone UTC−7 (MST)
 • Summer (DST) UTC−6 (MDT)
ZIP code
84010, 84011
Area codes 385, 801
FIPS code 49-07690[4]
GNIS feature ID 2409885[2]

Bountiful is a city in Davis CountyUtah. As of the 2010 census, the city population was 42,552, a three percent increase over the 2000 figure of 41,301. The city grew rapidly during the suburb growth of the late 1940s, 1950s, and 1960s and was Davis County’s largest city until 1985, when it was surpassed by Layton. Bountiful is Utah’s 15th-largest city.

Although a part of the Ogden–Clearfield metropolitan area, it serves as a bedroom community to Salt Lake City and the surrounding area. However, due to the very narrow entrance into Salt Lake County, roads between the counties often reach near-gridlock traffic during rush hour. The FrontRunner commuter rail has been running since April 2008, and the Legacy Parkway was opened on September 13, 2008. These were built to help alleviate the traffic load on Interstate 15 through the Bountiful area.

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