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Can I qualify for debt settlement in Hawaii when I have filed bankruptcy 2 years back?

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I have paid off all my debts 2 years back through bankruptcy. Now, I have incurred fresh debts. Can I qualify for debt settlement again?

You can ask for debt settlement anytime. But make sure, you're aware of its negative impact on credit score. Still, its a preferable way to get your accounts back into black without resorting to bankruptcy. Just check your alternatives well before going for it.

Sub: #1 posted on Mon, 07/04/2016 - 12:52

paulcahill80 paulcahill80

(Posts: 2359 | Credits: 258.2)

Yeah! The debt settlement option is open all the time. But, as Paul mentioned in the previous comment that its effects on credit score negatively.

I would like to suggest you to go for DIY debt consolidation. You just need to negotiate with the creditors to get a repayment plan. You’ll get lower interest rate as well. You don't have to pay additional charges to a consolidation. Or, get a free credit counseling to know your best options.

Sub: #2 posted on Wed, 07/06/2016 - 16:55

sanderspatricia29 sanderspatricia29

(Posts: 643 | Credits: 67.5)

Opting for debt settlement might lower your score. Since you also had to file a bankruptcy a few years back, it's high time you start managing your finances effectively. Doing so, you can improve your credit score, too.

Sub: #3 posted on Thu, 07/07/2016 - 19:08

Good Nelly Good Nelly
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