Blue Bee Utah Credit Rebuilding Law Firm
Utah Bankruptcy Lawyers with more than 60 years of combined expertise in helping people eliminating debt & rebuilding good credit.
Our highly rated bankruptcy lawyers not only protect your rights but also help you start rebuilding your credit!
We don’t just eliminate your debt! We break the cycle of bad credit by rebuilding your credit after bankruptcy.
Earned the highest peer and client ratings with Martindale-Hubbell (a.k.a Lawyers.com)
Top-notch peer and client ratings on Justia
Rated in the top 5% of all lawyers by Thompson-Reuter’s Super Lawyers.
5-Star average on Google with more than 50 reviews.
5-Star average with more than 80 reviews on Avvo.com
“Top Pro” on Thumbtack.
Credit Rebuilding in Utah
“Should I care about rebuilding my credit after bankruptcy?”
According to Experian, one of the three credit reporting agencies, your FICO score is a factor in 90% of all lending decisions.
Likewise, a good FICO score means lower interest rates, lower security deposits, and lower monthly payments.
For example,even a modest interest rate reduction can save you thousands of dollars over the lifetime of a loan.
If you have bad credit now, working with a credit rebuilding program will save you thousands of dollars every year!
For example, someone with a credit score of 589 will pay 20 – 24.99% interest on a 5-year car loan, while someone with a credit score of 720, according to MyFICO™, would pay on average 4.6% per year.
So, if you borrow $15,000 to buy a car, you’ll be spending around $160 more every month and nearly $9,600 more over the life of a 5-year car loan.
What happens when you have bad credit?
If you have bad credit, forget shopping with a new car dealer.
You’ll be buying your car from a “buy here, pay here” lot, and you’ll only get to choose from the used cars they happen to have that day.
You’ll overpay for the car you buy because they know you have no negotiating leverage—you need that car, and your options are limited.
You may have to pay bi-weekly, and they’ll repossess your car the first time your payment is late. That repo ensures you’ll never escape the cycle of bad credit.
The team here at Blue Bee Bankruptcy can work with you to get you on the path to an excellent credit score.
You’ll save thousands every year, and more importantly, you’ll break the bad credit cycle.
“How soon can I start rebuilding my credit after bankruptcy?”
You can start rebuilding credit as soon as you get your Chapter 7 discharge or Chapter 13 confirmation.
We at Blue Bee Bankruptcy Law know that bankruptcy is just one tool in the toolbox.
That’s why we bring a holistic approach to financial repair.
Our unique services include providing credit building. Yes, you need immediate relief from your creditors, and you get that relief through our various bankruptcy strategies.
However, once your debt is restructured in Chapter 13 or eliminated in Chapter 7, you will want to turn your attention to your financial future.
How is Blue Bee different?
The typical bankruptcy law firm tells their client their job ended when the bankruptcy closed.
You are left wondering, “How do I start over? What’s the first thing I should do now that I discharged my debts? How do I rebuild my credit?”
The typical lawyer will shrug his shoulders.
At Blue Bee Bankruptcy Law, we give you the knowledge, tools, and motivation to rebuild your credit and renew your financial outlook.
Our credit building program is tailored for post-Chapter 7 bankruptcy debtors and current Chapter 13 debtors.
It focuses on topics like replacing old credit with better credit reporting, avoiding credit-fixing scams, updating credit score information with the bureaus, building great credit using low credit lines, and fixing errors on reports.
“Can I start rebuilding my credit WHILE IN CHAPTER 13?”
Yes! As soon as the judge confirms your Chapter 13 Plan, usually six months after filing the case, you can begin the process of credit rebuilding.
We know of instances where debtors have rebuilt their credit and even purchased homes while still in their current Chapter 13 case!
Imagine having an excellent credit score before your case is over. It’s a reality for thousands of Chapter 13 debtors.
“Is Credit Rebuilding Hard To Do?”
Nothing worthwhile is easy, and rebuilding credit is no exception.
However, rebuilding your credit isn’t hard if you know what to do and when to do it.
So,the credit rebuilding program is a self-study, online course that allows you to go at your own pace.
You’ll get assignments designed to keep you on track, and you will see your credit score improve as you implement the various strategies.
Your growing credit score will motivate you to keep working toward your goal of prime credit.
“How Much Does Credit Rebuilding Cost?”
Blue Bee Bankruptcy Law helps you implement a proven strategy for rebuilding your credit after bankruptcy.
This same program has already helped tens of thousands of people reclaim their economic future by rebuilding their credit score.
This program typically costs about $1,000, but we include this service at no additional cost. If you file your bankruptcy with us, we cover the credit rebuilding program for free!
Don’t stay stuck behind a financial wall. Let our holistic financial services help get you back the life you remember.
“Can I enroll in your credit rebuilding course if I didn’t file bankruptcy with Blue Bee Bankruptcy?”
We don’t file every consumer bankruptcy case in Utah, but we want to help every consumer bankruptcy debtor!
That means that we will enroll you in our credit rebuilding program, even if you did not file bankruptcy with Blue Bee Bankruptcy.
We do charge a fee for this service to non-bankruptcy clients, but it’s still the best value around. The value of our credit service far exceeds its price!
Call or contact us for more information.
For free information on rebuilding your credit after bankruptcy, contact our team today. Blue Bee Bankruptcy Law is ready to work with you.
“Great law firm and very appreciative of their support and assistance.”
“While we did not use this firm, we found them to be very knowledgeable. Chip took great time to answer questions and explore options with us concerning our situation. I think it says a great deal about an attorney when they can provide you with honest information that leads you to think about other choices, even when it may mean not using an attorney. That says a lot in my opinion! I did not get the impression they take cases lightly, but instead are prepared to put in the work for the best interest of their clients. Should the need arise, this firm would be my first call!”
“Courteous, attentive, very professional. The attorney went into detail explaining the process of bankruptcy and what could be expected. Several fee options were discussed. Recommended!”