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Overwhelmed with Debt? Bankruptcy May be the Answer. We Offer Solutions for Every Debt Related Need.

Credit Repair & Counseling in Charlotte

Charlotte Bankruptcy Attorney

When you need legal advice that you can trust regarding your debt relief options and repairing your credit, our attorney at Schwilm Law Firm, PLLC stands prepared to help. We review your financial situation to find a resolution for handling your overwhelming debt as efficiently as possible in the most cost-effective manner. We help you create a plan for repairing your credit score as quickly as possible and use every resource available to achieve your goals.

How long does credit repair take after filing for bankruptcy?

Bankruptcy may stop creditor calls, but you need to work at improving your credit score. You must understand that rebuilding your credit after a Chapter 7 or Chapter 13 bankruptcy is within your control. By making your payments on time and in full, you can improve both your credit score and your credit report.

You can immediately take action to improve your credit score after you receive your discharge order by:

  • Always paying your mortgage on time
  • Working to be current on your payments within 30 to 60 days if you are late on a payment
  • Not being more than 90 days overdue on your payments
  • Rebuilding your credit with a secured card if your credit score is too low to qualify for traditional credit cards

It can take months or, in cases of a bankruptcy, several years to bring your score all the way back to good health. If you stay focused and stick to your plan, the eventual payoff is worth it. You can obtain a higher credit score and be in a position to qualify for better credit terms.

What is credit counseling and is it required?

Before you are eligible to file a bankruptcy case in North Carolina, you must undergo mandatory consumer credit counseling with a credit counseling agency that is approved by the U.S. Trustee Program. The credit counseling session may be completed in person, over the telephone or via the Internet. The session should include an evaluation of your personal finances, discussion of any possible alternatives to bankruptcy and a personal budget plan. You must obtain your credit counseling certification within the 180 days immediately preceding the filing of your bankruptcy case. If you fail to file your credit counseling certification on time, your bankruptcy case can be dismissed. Our Charlotte bankruptcy attorney can help you locate a qualified counseling course and ensure that your certification is timely filed with your bankruptcy petition.

Schedule Your Free Consultation at Schwilm Law Firm, PLLC

Contact Schwilm Law Firm, PLLC at (704) 750-1324 or online to schedule a free initial consultation and learn how you can repair your credit after a bankruptcy filing. We have more than 15 years of experience helping individuals in the Charlotte metropolitan area earn a second chance with their finances.

Contact and visit our convenient Charlotte office. Let us help you.

We're Fully Equipped to Help Your Debt Issues

  1. Over 20 Years of Legal Experience
  2. Outstanding Personal Service
  3. Lasting Relationships
  4. A Comprehensive & Experienced Approach
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Our Client Testimonials

  • “They turned what could have been a very difficult process into a very simple one.”

    Angelique Alexander

  • “Mr. Schwilm was available when I needed him.”

    Former Client

  • “Lee and his staff was there for me every step of the way.”

    Diana McMillian

  • “She was willing to work with me and my crazy schedule between a full time job and children.”

    Maryjo M.

  • “I appreciate all their hard work on my case.”


  • “Great to work with!”

    Former Client

  • “Very caring and professional.”

    Lynda Delena

  • “They held my head through the whole process.”

    Former Client