Can I apply for a new credit card once I file for bankruptcy?

new credit cards

If you have decided to file for bankruptcy in New York City, you definitely want to hire an attorney. Bankruptcy can be a daunting process, so you do not want to go through this alone. There are many ways that you can benefit from hiring Ursulova Law Offices. Ursulova Law Offices are Brooklyn bankruptcy attorneys who want to help you through this process with as much ease as possible. It doesn’t matter to us if you need to file for Chapter 7 bankruptcy or Chapter 13 bankruptcy. These Brooklyn bankruptcy lawyers will be able to assist you. 

Can you apply for a credit card while going through the bankruptcy process? 

No, you have to wait until you get the okay from the courts, but once you do, you can get a credit card – which you should get to start building up your credit.

What type of credit card are you likely to get due to your recent bankruptcy?

After filing for bankruptcy, you are most likely to get a secured credit card. For those of you who are not familiar, a secured credit card is used to help rebuild bad credit. A secured credit card offers low fees, high approval odds, and monthly reporting to the credit bureau. The amount of your deposit becomes your credit limit. The minimum deposit for most credit cards is either $200.00 or $300.00. A bankruptcy attorney in Brooklyn will be able to help you with figuring out what the best credit card is for you after your recent bankruptcy. 

How long can it take before you can get that card?

You may be curious about how long it will take before you get your secured credit card. The answer depends on which chapter of bankruptcy you are filing for. Here at Ursulova Law Offices, a Brooklyn bankruptcy attorney will help decide which chapter to file for. Chapter 7 bankruptcy takes about four to six months to complete. But, Chapter 13 bankruptcy can take anywhere between three and five years to complete. 

How can your bankruptcy attorney Brooklyn help explain your options and process?

Your Brooklyn bankruptcy lawyer will help explain your options and the process. They will explain everything you need to know about bankruptcy. Bankruptcy attorneys Brooklyn can help you decide if you need to file for Chapter 7 or Chapter 13 bankruptcies. As there are many differences between the two. Chapter 7 bankruptcy will wipe out your debt, whereas Chapter 13 allows you to pay your debt back over time. Both chapters offer their advantages and disadvantages. A Brooklyn bankruptcy lawyer will be able to explain the differences and weigh the options with you. 

If you make even one mistake in your bankruptcy process, you can delay the whole process. Attorneys at Ursulova Law Offices will ensure that the process is done correctly. They will also make sure the process is as quick as possible and understand everything you need to know. 


If you are looking for help in the bankruptcy process, contact us at the Law Offices of Ursulova. These bankruptcy attorneys in Brooklyn can address any concerns you may have. Any questions about obtaining a secure credit card and when you can get it; can be answered by a Brooklyn bankruptcy lawyer. Filing for bankruptcy can be an overwhelming time in your life, and you may feel as if you have to go through it alone, but that is not the case. We at Ursulova Law Offices are here for you every step of the way.

Ursulova Law offices, P.C.

Contact Ursulova Law Offices, P.C. to find out how our NY Bankruptcy Attorneys can help you today. Our offices are located in New York, Brighton Beach, Brooklyn and Garden City.


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