Credit Repair Lawyer

Is your credit report accurate? Have you been discharged from bankruptcy and still see debts showing up on your credit report? Do you need help negotiating the amount or terms of your debts? Questions about credit after bankruptcy?

Your credit score can be harmed by errors in your credit report. The major credit reporting agencies (Equifax, Experian, and Trans Union) are obligated to provide requesting companies an accurate credit report.

Unfortunately, some creditors or debt purchasers will park your debt during bankruptcy* and then attempt collection after the debt is discharged. When that happens, we can help.

Attorney John W. Gibson has been assisting clients with their credit repair issues since 1980. Please visit our Firm Overview page for information about us, our qualifications, and our service.

What Should I Do About Credit Reporting Errors?
You should request a copy of your credit report, which can be obtained for free by visiting If you completed a bankruptcy, complied with the settlement terms of any agreement outside of bankruptcy, or otherwise paid off your debts, then your credit report should indicate a zero balance next to that or those creditor(s).

If your credit report indicates an error or errors, you should send a dispute letter with proof that the debt was discharged. We can assist you in reviewing your debts to determine which are collectible, and also assist you with drafting the dispute letter, if necessary.

If the credit bureau does not correct your credit report, we can file a lawsuit compelling them to make the corrections and to request compensation under the Fair Credit Reporting Act (FCRA).

DUI Defense Attorney

Attorney John W. Gibson has over 25 years experience representing clients charged with drunk driving (DUI) and consumers in need of debt relief, including personal bankruptcy* (we also offer consumer debt relief outside of bankruptcy).

We provide you with an aggressive defense and fight to protect your rights. We intentionally concentrate our practice’s focus to DUI defense and consumer debt relief because our goal is to provide you with the best possible representation. We understand what is at stake, whether your physical freedom or financial freedom, and will fight hard for you to keep it.

In addition to our extensive experience, we offer the highest level of personal service and treat you with the respect you deserve. We will take the time to listen to you, explain the law and legal process to you, as well as advise you based on our quarter century of experience. For additional information about our firm, our qualifications, and our commitment to our clients, please visit our Firm Overview page.

Personal Bankruptcy Lawyer

Is bankruptcy right for you? How does bankruptcy work? What is the difference between a Chapter 7 Bankruptcy and a Chapter 13 Bankruptcy? Will I lose my house, my car, or any other assets? How long does a personal bankruptcy take?

Attorney John W. Gibson assists clients with personal bankruptcy* matters, including Chapter 7 and Chapter 13 Bankruptcy.

We have over 25 years experience helping consumers attain debt relief. We take the time to understand your situation and your goals. Then we explain your options to you, both inside and outside of bankruptcy. If bankruptcy is right for you, we will explain the process and provide you with a general timeline. Please visit our Firm Overview page for information about us, our qualifications, and our service.

Chapter 7 Bankruptcy
A Chapter 7 Bankruptcy is sometimes called a straight bankruptcy. Basically, you have exemptions set by the Bankruptcy Act regarding the assets you can retain, which often include your home, car, and all your other possessions, while discharging your unsecured debt (such as credit card debt).

For debts to secured creditors (loans where the creditor has collateral, such as your mortgage or car loan), you have the option of surrendering the collateral to the lender or reaffirming your debt and continuing payments.

For questions regarding Chapter 7 Bankruptcy, please take advantage of a free phone consultation and contact us. The laws were changed in 2005, making it more difficult to file a Chapter 7 and pushing debtors toward filing a Chapter 13 Bankruptcy.

Chapter 13 Bankruptcy
A Chapter 13 Bankruptcy is sometimes referred to as a personal reorganization bankruptcy. Basically, you are able to adjust your monthly payments for your debts so that you are able to keep all of your possessions and pay a percentage of your unsecured debts (such as credit card debt) and pay the percentage of your unsecured debts that you are able to pay through your best efforts over a three-to-five year period. Your attorney will work within certain guidelines to determine the amount of debt that can be paid in a three-year period. A payment plan will be established.