Restore Your Credit with

At Young, Marr, Mallis & Associates, we have been handling consumer bankruptcy cases for more than 20 years. Among the thousands of cases we have filed for the people of New Jersey and Pennsylvania, we’ve noticed a universal pattern: the fear of being burdened with permanent bad credit. If you’re stuck with bad credit for the rest of your life, how can you hope to take out a loan, or purchase a car or new home?

Fortunately, the idea that bankruptcy destroys good credit forever is a stubborn myth. In reality, you can rebuild good credit, even if you have a bankruptcy in your past. Many people who have gone through bankruptcy go on to 9reestablish good credit in the future. However, if you want to help adjust your credit score, there are a few steps that are very important to follow.

Our attorneys have noticed two key points you need to be mindful of after a discharge:

1. You need to take immediate action to start rebuilding your credit score after a bankruptcy. If you’re timely, proactive, and consistent, you may be able to transform your credit score in as little as 12 to 24 months after your bankruptcy has been discharged.

2. You must continue to use credit. We understand that you may be wary of getting yourself into another bad financial situation, but it’s critical that you resist the temptation to avoid using credit again. While doing so may seem like a smart decision, it always turns out to be financially harmful. As time passes, instead of having poor credit, you will simply end up with no credit. Unfortunately, having no credit is just as bad as having poor credit. If you want to rebuild good credit, you need to open a new credit card and learn how to make purchases and repayments using credit responsibly.

Since our bankruptcy clients are understandably concerned about improving their damaged credit, we’ve compared numerous products and organizations to find the best credit education program available. Our conclusion? After thorough testing, we learned that people who have gone through’s credit program (7 Steps to a 720 Credit Score) can transform their credit scores. How long does it take? Many people start to see changes within just 24 months of declaring bankruptcy.

With these kinds of results, the legal team at Young, Marr, Mallis & Associates has decided to make the 720 Credit Score program available to every single one of our bankruptcy clients at a special discounted price.

Normally, the credit education program costs $1,000 for enrollment.

If you’re interested in gaining access to this effective credit building program, or if you’d simply like to talk about how a bankruptcy lawyer can help, call Young, Marr, Mallis & Associates to schedule your free legal consultation.

If you want to rebuild healthy credit after a bankruptcy, Young, Marr & Associates and are ready to work with you. If you’re ready to start changing your credit score, we’re ready to help.

Related Articles

The Bankruptcy Process

Many people live paycheck-to-paycheck or have minimal savings. These circumstances mean that even a small financial setback could result in a crisis. When you cannot pay your utility bills, mortgage, […]

Read More »

How Bankruptcy Can Protect You

Filing for bankruptcy is often thought of as a sign of failure. At best, it is seen as a last resort when faced with too many bills, collection letters, or […]

Read More »

Means Testing in Chapter 7 or Chapter 13 Bankruptcy

Bankruptcy has many layers. Before filing, a potential debtor will have to gather their bills, bank statements, tax returns, and proof of all household income for the previous six months. […]

Read More »

Have an Attorney Review Your Case for Free

Get a Free Case Evaluation

Contact Our Attorneys To Learn How We Can Help Your Case


12 Convenient Locations Across Pennsylvania and New Jersey

Philadelphia, PA

7909 Bustletown Ave, 1st Floor Philadelphia, PA 19152 (215) 607-7478 Get Directions

Quakertown, PA

328 Broad St. Quakertown, PA 18951 (215) 515-6876 Get Directions

Allentown, PA

137 N 5th St. Suite A Allentown, PA 18102 (215) 240-4082 Get Directions

Jenkintown, PA

135 Old York Road Jenkintown, PA 19046 (215) 544-3347 Get Directions

Easton, PA

101 Larry Holmes Dr. #212 Easton, PA 18042 (215) 515-7077 Get Directions

Bala Cynwyd, PA

2 Bala Plaza, Suite 300 Bala Cynwyd, PA 19004 (610) 557-3209 Get Directions

Bensalem, PA

3554 Hulmeville Rd, #102 Bensalem, PA 19020 (215) 515-6389 Get Directions

Plymouth Meeting, PA

600 W. Germantown Pike #400 Plymouth Meeting, PA 19462 (215) 515-6876 Get Directions

Harrisburg, PA

2225 Sycamore St Harrisburg, PA 17111 (717) 864-8887 Get Directions

Cinnaminson, NJ

909 Route 130 South #202 Cinnaminson, NJ 08077 (609) 796-4344 Get Directions

Hamilton Twp., NJ

100 Horizon Center Blvd., 1st and 2nd Floors Hamilton Township, NJ 08691 (609) 236-8649 Get Directions

Marlton, NJ

10000 Lincoln Drive E One Greentree Centre, Suite 201 Marlton, NJ 08053 (856) 213-2805 Get Directions

Piscataway, NJ

200 Centennial Ave. Suite 200 Piscataway, NJ 08854 (908) 367-7256 Get Directions