CREDIT REPORTS You Have the Right to Get a Free Copy of Each One of Your Credit Reports Once Every 12 Months from Each of the Nationwide Consumer Credit Reporting Companies EXPERIAN, TRANSUNION AND EQUIFAX.   Credit Reporting Agencies collect information about you and your credit history from public records, your creditors and other reliable sources. These agencies make your credit history available to your current and prospective creditors and employers as allowed by law. Credit agencies do not grant or deny credit.   The credit reporting agencies are: Equifax PO Box 105873 Atlanta, GA 30348 800-685-1111 www.equifax.com   Experian PO Box 2002 Allen, TX 75013 Consumer Credit Questions 888-EXPERIAN (888-397-3742) www.experian.com TransUnion Post Office Box 2000 Chester, PA 19022 (800) 888-4213   www.tuc.com   For More Information on Obtaining Your Free Credit Report, Visit. www.annualcreditreport.com or call 1-877-322-8228 FYI    After you receive your bankruptcy discharge, you will be able to qualify for some basic consumer loans, although at a higher interest rate. Most lenders state that it takes no more than two years to reestablish a normal credit rating provided you pay your debts currently and make sufficient income. Within two years after filing bankruptcy, most people are able to purchase cars and homes with normal interest rates and terms. Many years ago bankruptcy destroyed peoples' credit. Banks used to believe personal bankruptcy was a stigma on credit that a debtor could not overcome. Today, so many people file bankruptcy every year that banks cannot ignore this large market of potential customers. As a result, banks are much more lenient toward people forced into bankruptcy. While no one plans to file bankruptcy, the effect of filing today is not nearly as bad as your creditors would like you to believe. Free initial consultations. Payment plans available. Flexible office hours including evenings and weekends. Located in Cherry Hill, New Jersey, the Law Office of Phillip G. Parker represents clients in all of Central and South Jersey. In Camden County, Audubon, Audubon Park, Barrington, Bellmawr, Berlin, Brooklawn, Camden, Cherry Hill, Chesilhurst, Clementon, Collingswood, Gibbsboro, Gloucester, Gloucester City, Haddon, Haddon Heights, Haddonfield, Hi-Nella, Laurel Springs, Lawnside, Lindenwold, Magnolia, Merchantville, Mount Ephraim, Oaklyn, Pennsauken, Pine Hill, Pine Valley, Runnemede, Somerdale, Stratford, Tavistock, Voorhees, Waterford, Winslow, and Woodlynne. In Burlington County, Bass River, Beverly, Bordentown, Burlington, Chesterfield, Cinnaminson, Delanco, Delran, Eastampton, Edgewater Park, Evesham, Fieldsboro, Florence, Hainesport, Lumberton, Mansfield, Maple Shade, Medford, Medford Lakes, Moorestown, Mount Holly, Mount Laurel, New Hanover, North Hanover, Palmyra, Pemberton, Riverside, Riverton, Shamong, Southampton, Tabernacle, Trenton, Westampton, Willingboro, Woodland, and Wrightstown   In Gloucester County, Clayton, Deptford, East Greenwich, Elk, Glassboro, Logan, Mantua, Monroe, National Park, Newfield, Paulsboro, Pitman, South Harrison, Swedesboro, Wenonah, West Deptford, Westville, Woodbury, Woodbury Heights, and Woolwich. In Mercer County, East & West Windsor, Ewing, Hamilton, Hightstown, Hopewell, Lawrence, Pennington, Princeton, Trenton, and Washington Township. In Atlantic County, Absecon, Atlantic City, Brigantine, Buena Boro , Buena Vista, Corbin City, Egg Harbor, Estell Manor, Folsom, Galloway, Hamilton, Hammonton, Linwood, Longport, Margate, Mullica, Northfield, Pleasantville, Port Republic, Somers Point, Ventnor , and Weymouth. Call us at 856-755-9559 for additional information or to schedule a consultation. Copyright © 1998 - 2007 by Law Office of Phillip G. Parker, Esquire. All rights reserved.