American College of Attorneys Best of the Bar Award
10.0 Avvo Superb Lawyer Rating
Top 100 Trial Lawyers Award
Orlando Top Lawyers 2012 - 2024
Best Lawyers in America Award
Super Lawyers 2024 Award
Florida Legal Elite Award
Best Lawyers 2024 Award
Orlando Sentinel Best Bets Lawyer Award

How Will Bankruptcy Affect My Credit Score?

Back To Bankruptcy and Debt Relief Video Help Page

Back To Bankruptcy and Debt Relief Video Help Page

How bankruptcy affects your credit score varies. In fact, bankruptcy can actually benefit some people while it may negatively affect others. Call on us if you are overwhelmed financially and considering bankruptcy for a path to a healthier financial future.

At TK Law, we file Chapter 7, 11 and 13 bankruptcy cases on behalf of our clients. We have represented thousands of clients over the years desiring to improve their financial standing. Sometimes bankruptcy is the right remedy for a client, and sometimes another form of debt relief is more suitable. In addition, our law office is linked to several financial experts able to assist with future financial planning.

Speak with an experienced Florida attorney at our firm today.
Call 855-Kramer-Now (855-572-6376)

Contact TK Law today for a free, no-obligation consultation: 1-855-Kramer Now (1-855-572-6376).

Potentially Negative Impact

Credit scores are often what connect people to any short-term or long-term loans or services, whether through a bank, mortgage program or other financing agency. If your credit score is in good standing, it is likely that a bankruptcy can have a negative effect on that score.

While filing bankruptcy is an attempt to get rid of debt in order to be able to maintain better credit, some banks or mortgage companies may see the bankruptcy and conclude that too many people may have taken a chance on you before. The new company may not want to be a part of known indebtedness and run the risk of losing money.

Positive Impact

It is likely that a person’s credit score is already in negative standing if he or she has filed for bankruptcy. In these cases, it is possible for a credit standing to actually improve at a bankruptcy case’s conclusion. This is because bankruptcy can only be filed in specific time periods. A credit company may approve an applicant who has a bankruptcy on his or her credit report because the company knows the person will not be able to file bankruptcy again anytime soon, and has taken steps to rectify the debt and rebuild credit.

Call on Trusted Orlando Bankruptcy Attorneys

The process of bankruptcy in itself can be tedious, tiring and stressful, but in the end it is intended to give you a fresh start for future financial goals. At TK Law, we sit down with our clients to discuss the best and worst possible outcomes so that you are not blindsided, all the while working to ensure the best possible conclusion of your case.

Call us today to begin representation with one of the most respected law firms in Orlando. We can be reached quickly and conveniently, and we meet with you when it works best for your schedule.

One law firm for life, TK Law is here to assist you, your family, your home, and your business with any legal issue

Get Help with Legal Issues Now! – Call 855-Kramer-Now (855-572-6376)
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All free case evaluations are reviewed by our legal team. For immediate assistance, please call us at 407-834-4847.

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The Orlando divorce lawyers at TK Law are deeply committed to the individuals and families they serve. We are here to help you resolve each legal concern so you can regain control and move forward with your life. You will also have a steadfast, accomplished advocate in your corner to fight for what matters most if a dispute goes to trial.

We know how overwhelming conflict can be and how painful it is to see a marriage end. We will guide you through this difficult process before, during and after your divorce.

Contact our offices today to schedule a confidential consultation with one or our family law attorneys, or call us at 855-572-6376.



Our best awards are
client victories

Roy P.
Mar. 2024
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Gastell and Kayla were awesome! They helped me make it through a very challenging time in my life with kindness and compassion. They were always available to answer my questions and kept me up to date. Their counsel was extremely helpful in aiding a resolution that I am very satisfied with.
Carmen D.
Mar. 2024
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I give this law firm a 5 star. Ray and Janelise helped us with our probate issue and made the process a lot easier for us to finalized all of it. We're very thankful to this law office and recommend them for any legal issues.Thank you Janelisse and Ray and the entire office .
Alysia T.
Jan. 2024
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I am thankful to Janelise and Kayla at TK Law for a fantastic job. Kayla guided me through every step of my divorce process. She is patient, professional, and honest. I highly recommend them!
Chris O.
Dec. 2023
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This was first experience hiring a law firm and I am very happy that I hired TK Law. My attorney Janelise and Paralegal Kayla were kind, knowledgeable and made the process easy. They were quick to respond when I needed revisions to my document and the final outcome was perfect. If I ever need legal help in the future, I will not hesitate to contact TK Law again.

*Top-rating from clients and award publications such as Orlando Weekly, US News & more.​


Schedule Your Case Evaluation

We offer payment plans, accept credit cards, are available for evening appointments and our main office is conveniently located right off of I-4, between 436 and 434. For immediate help call: 407-834-4847.


The information found here is for general information purposes only. Nothing on this site should be taken as legal advice for any situation or individual case. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.


Phone: 407-834-4847
999 Douglas Ave #3333, Altamonte Springs, FL 32714

Service Areas

Orange & Seminole County, Florida.