Credit Repair

Can One Spouse File Bankruptcy?

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Credit Repair

1). Get a copy of your credit report from all three major credit reporting bureaus: . This is the free site, with no strings attached.  It is promoted by the Federal Trade Commission, FTC.
-------If you think that you are a victim of identity theft click the id theft link.
2). If you find mistakes on your credit report, contact the reporting bureau that has reported the error.  Follow their instructions for dispute resolution.
3). Include as much evidence as possible to demonstrate there was an error.  Receipts, written correspondence, detailed notes on telephone conversations including date, time, issue discussed and the outcome, as well as the person you spoke to.  Always try to get bot the first and last name.
4). Make copies of everything.  Do not send your originals if you can avoid it.
5). Once you have filed your dispute, you should expect a response within about 40 days.  Confirm this with the credit reporting bureau.  
6). If you have not heard back from the credit reporting bureau within 50 days, you may need to contact them or refile your dispute.

Need Solution
Learn about Credit Monitoring with
  • Phone number: (800) 493-2392
Purchase a TransUnion Credit Report
  • Phone number: (800) 888-4213
  • Mail:
    2 Baldwin Place
    P.O. Box 2000
    Chester, PA 19022
Obtain a free, annual TransUnion Credit Report
Dispute an item on your TransUnion Credit Report or check the status of an existing dispute.

Talk to an Equifax Customer Care representative about my products I have purchased. Login into the  Member Center and click on Contact Us to obtain our phone number and other contact information.
Dispute information in my credit report Initiate a dispute online here. For disputes by telephone, a telephone number is provided to initiate disputes on your credit report. (Must have copy of your current credit report). To dispute by mail, please mail in your dispute to the address provided below.
Ask questions about credit reports, scores, fraud protection, and understand what it all means. Browse the Learning  and Customer Service sections of this site.
Get help logging in because I forgot my password. Visit Online Account Assistance.
Denied credit or entitled to a free report? Visit to retrieve your free report under the FACT Act. For other report options you may be entitled to, visit or call 1-800-685-1111
Place a fraud alert on my credit report Request a fraud alert online, or call 1-888-766-0008
Place a security freeze on my credit file Visit Security Freeze
Opt-out of mailing lists Call 1-888-567-8688
Mail correspondence to Equifax Equifax Credit Information Services, Inc
P.O. Box 740241
Atlanta, GA 30374
To become an Equifax business customer Call 1-888-202-4025 to get more information about Equifax Business Solutions.

 You need help with:                        How to contact us

Ordering your credit report and credit score

  • Order online and get immediate access to your report and score.
  • Order by phone: 1 888 397 3742
  • International callers who experience difficulties calling this number should contact their telephone service providers for assistance.

Disputes regarding your credit report

You must have a copy of your Experian Credit report to use this service.
  • Check out Disputes to request an online dispute, check the status of an existing dispute and review your results. Contact us at the toll free number on your credit report.

Fraud, identity theft and your credit

  • Visit our Credit fraud center to add alert statements to your account
  • Contact us by phone: 1 888 397 3742
  • International callers who experience difficulties calling this number should contact their telephone service providers for assistance.
  • Additional information on fraud including tips for victims, Experian fraud-prevention procedures, FAQ'S, and links can be found in Preventing credit fraud

Existing Credit Manager membership customer questions

Questions concerning your credit report or general question about credit

section and get the answers to your questions about the basics of credit reports and scores, identity theft and fraud, credit advice on the hottest topics and more.

Federal Trade Commission Consumer Credit Report:

Credit & LoansYour Rights: Credit Reporting

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The Federal Trade Commission (FTC), the nation's consumer protection agency, has prepared a brochure, Your Access to Free Credit Reports, explaining your rights under the FCRA and how to order a free annual credit report.

A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

How do I order my free report?

You can order your free annual credit report online at, by calling 1-877-322-8228, or by completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

When you order, you need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment.

A Warning About "Impostor" Sites

The FTC advises consumers who order their free annual credit reports online to be sure to correctly spell, or link to it from the FTC's website to avoid being misdirected to other websites that offer supposedly free reports,but only with the purchase of other products. While consumers may be offered additional products or services while on the authorized website, they are not required to make a purchase to receive their free annual credit reports.

For more information on free annual credit reports and to view another video about visit

Your are not alone...

Bankruptcy Chapter 7
Bankruptcy Chapter 9
Bankruptcy Chapter 11
Bankruptcy Chapter 13
Bankruptcy Chapter 12
Bankruptcy Chapter 15

Ten Myths of Filing for

Selecting The Correct Type of Bankruptcy For You:
There are several types of bankruptcy.  Below is an overview of bankruptcy options.  We will work with you  to determine which type of bankruptcy filing will best suit your situation.

                  Bankruptcy for Individuals:
        • Chapter 7:   One of the primary purposes of bankruptcy is to discharge certain debts to give an honest individual debtor a "fresh start." The debtor has no liability for discharged debts.  An individual receives a discharge for most of his or her debts in a chapter 7 bankruptcy case. A creditor may no longer initiate or continue any legal or other action against the debtor to collect a discharged debt. But not all of an individual's debts are discharged in chapter 7. Debts not discharged include (read more) Chapter 7         
        •  Chapter 13:  The chapter of the Bankruptcy Code providing for adjustment of debts of an individual with regular income. Chapter 13 allows a debtor to keep property and pay debts over time, usually three to five years. (read more) Chapter 13      
        •   Chapter 15: This is a new chapter added to the Bankruptcy Code by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.  It is created to provide effective mechanisms for dealing with insolvency cases involving debtors, assets, claimants and other parties in interest involving more than one country.  (read more) Chapter 15
                   Bankruptcy for Corporations:
        • Chapter 11: Reorganization Under the Bankruptcy Code. The chapter of the Bankruptcy Code providing (generally) for reorganization, usually involving a corporation or partnership. (A chapter 11 debtor usually proposes a plan of reorganization to keep its business alive and pay creditors over time. People in business or individuals can also seek relief in chapter 11.) (read more) Chapter 11

                      Bankruptcy for Municipalities:
        • Chapter 9: Municipality Bankruptcy- The chapter of the Bankruptcy Code providing for reorganization of municipalities (which includes cities and towns, as well as villages, counties, taxing districts, municipal utilities, and school districts).  (read more) Chapter 9
                      Family Farmer or Fisherman:
        • Chapter 12: The chapter of the Bankruptcy Code providing for adjustment of debts of a "family farmer," or a "family fisherman" as those terms are defined in the Bankruptcy Code. (read more) Chapter 12

  "I don't want everyone to know".      
The world does not have to know that you have filed for bankruptcy.

Filing for Bankruptcy can be overwhelming for many people. Fortunately, with so many people filing for bankruptcy it is starting to lose the stigma it once had. We know that bankruptcy is an essential option.  We understand bankruptcy laws were created to protect you. We are well versed in bankruptcy law and prepared to use our expertise to help you.  We are here to educate you about your options and  file bankruptcy cases.  Filing bankruptcy is often used to stop foreclosure and repossession of your home and assets.
This is what you need to know...
Bankrupcy Attorney Bankruptcy lawyers have helped hundreds of people get back on their feet.  We know that financial hardship effects you and everyone you are supporting.  We can help you get a fresh start.  Most people find that filing bankruptcy is not just a necessity it is also  financially advantageous.
Stop Foreclosure
Stop Repossession!

Stop Foreclosure
Filing for bankruptcy creates an automatic stay, which stops a scheduled foreclosure sale.
stop creditors
Get Creditors Off Your Back
Financial Disaster
        Filing bankruptcy stops your creditors from harassing you. Once you file, you can stop feeling like a train is coming toward you that you can't avoid.
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SCRA. Service members' Civil Relief Act

The Service members' Civil Relief Act applies in bankruptcy cases. It provides protection to members of the military against the entry of default judgments and gives the court the ability to stay proceedings against military debtors.

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