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| - UPDATE: After 1 week of my discharge from bankruptcy, I was not only approved for a credit card, but also got approved to finance with an auto loan on a 20k car. After 2 months of my discharge, I was approved for ANOTHER CREDIT CARD for Capital One with no annual fee (All used to build credit). Please see below!
I have been waiting for my whole process to be done to write this review, but it is finally worth the wait. Everyone at this office saved my life! Best bankrupt attorneys ever and they made the process so smooth. I first met with Xenophon Peters and he didn't BS on any info. Yes, there is a flat fee, but you get what you pay for! If you can't afford to pay the fee, they offer monthly payments!! But if your bankruptcy is time sensitive and your chapter 7 might turn into a chapter 13 due to your income, I would figure out a way to get it paid ASAP. After you pay the fee, there's paperwork to fill out and then you sit with an attorney and everything gets filed. (Make sure to have a list of all your debtors and how much you owe...it makes filing 10x easier.) Then you get your court date and an attorney will be there with you every step of the way. Jennifer was super helpful and despite her busy schedule, she always got back to me with answering any questions I had. Court was a breeze and it doesn't take that long. After your court date and all goes well, you get your discharge letter in about 2-3 months with credit card and medical debt completely gone!
The whole process with this law firm was as simple as can be. Everyone is SUPER nice and helpful (even the front desk lady). I had a good feeling going in to trust them and now I'm glad I did. After my discharge, they give you a very detailed packet on how to rebuild your credit. I'm currently in the process of doing this now and I already got approved for a credit card! (Surprising as my discharge was this month) but these guys know what they're doing so I'm trusting them when they give me a detailed list of which credit cards to apply for, how long to wait till applying for the next one, what to watch for, etc.
I am forever thankful for these guys!! Do yourself a favor and get out of debt if you're in a hole you can't dig out of. Bankruptcy is not as bad as society makes it out to be. YES, you can get approved for credit cards immediately right after to build credit and YES, you can get approved for car loan immediately. They say you'll have to wait 2 years before being able to buy a house, but all worth the wait. It's so easy to build back up your credit within 6 mo-1 year after bankruptcy. I will update with how my credit is doing after a year or so, but I wanted to get this review out to encourage others to use Peters and Associates because ever since the discharge, a huge weight has been lifted off my shoulders and I couldn't of have done it without them!
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