Arkansas Bankruptcy Associates, PLLC is located at 8114 Cantrell Road, Suite 100, Little Rock, AR 72227, which is in Little Rock near the intersection of Cantrell Road and Foxcroft Road.

We represent clients in Little Rock, North Little Rock, Pulaski County, Benton, Bryant, Saline County Conway, Faulkner County, Cabot, Maumelle, Lonoke County, Sherwood, Otter Creek, Lonoke, Beebe, Searcy, Morrilton, Conway County, Mabelvale, Alma, Arkadelphia, Arkansas City, Ash Flat, Ashdown, Atkins, Augusta, Bald Knob, Barling, Barton, Batesville, Bauxite, Bearden, Beaver, Bee Branch, Bella Vista, Bentonville, Berryville, Bigelow, Biggers, Bismarck, Black Oak, Black Rock, Bluff City, Blytheville, Boles, Bono, Bonnerdale, Booneville, Boxley, Bradley, Branch, Brinkley, Brookland, Bruno, Buffalo City, Bull Shoals, Burlington, Canehill, Calico Rock, Camden, Carlisle, Carolan, Cave City, Centerton, Charleston, Cherokee Village, Clarendon, Clarksville, Clinton, Compton, Corning, Cotter, Crossett, Curtis, Cotton Plant, Cushman, Danville, Dardanelle, De Queen, De Witt, Decatur, Delaplaine, Dermott, Des Arc, Diamond City, Diaz, Donaldson, Dover, Dumas, Egypt, Elaine, El Dorado, Eudora, Eureka Springs, Evening Shade, Fayetteville, Fairfield Bay, Faircloth, Farmington, Fifty-Six, Fisher, Flippin, Floral, Fordyce, Forrest City, Fort Smith, Fountain Lake, Fouke, Friendship, Gassville, Gentry, Gosnell, Gravette, Greenbrier, Greenwood, Guion, Gurdon, Guy, Hamburg, Hampton, Hardy, Harrison, Heber Springs, Helena, Highland, Holly Mountain, Hope, Hot Springs, Horatio, Hoxie, Jacksonville, Jersey, Jonesboro, Keo, Kibler, Lake Village, Lake City, Lakeview, Lavaca, Leachville, Lead Hill, Leola, Leslie, Lincoln, Lockesburg, London, Lonsdale, Lowell, Madison, Magazine, Magnolia, Malvern, Mammoth Spring, Mansfield, Marianna, Marion, Marked Tree, Marmaduke, Marshall, Marvell, Mayflower, McGehee, Melbourne, Mena, Monticello, Morning Star, Mount George, Mount Holly, Mount Ida, Mountain Home, Mountain View, Mountainburg, Nashville, Natural Steps, Newport, Norfork, Nob Hill, Ola, Omaha, Osceola, Ozark, Palestine, Paragould, Paris, Pea Ridge, Peach Orchard, Perry, Perryville, Pfeiffer, Piggott, Pine Bluff, Pindall, Pocahontas, Poyen, Pottsville, Prairie Grove, Prescott, Pyatt, Quitman, Ravenden, Rector, Reed, Reno, Rocky, Rogers, Roland, Romance, Russellville, Salem, Scranton, Sedgwick, Sheridan, Shirley, Sidney, Siloam Springs, Smackover, Springdale, St. Joe, Stamps, Star City, Stuttgart, Subiaco, Sulphur Springs, Texarkana, Trumann, Tuckerman, Van Buren, Vilonia, Viola, Waldenburg, Waldron, Walnut Ridge, Warren, Weiner, West Fork, West Helena, West Memphis, White Hall, Wilton, Winslow, Wright, Wynne, Yellville, Arkansas County, Ashley County, Baxter County, Benton County, Boone County, Bradley County, Calhoun County, Carroll County, Chicot County, Clark County, Clay County, Cleburne County, Cleveland County, Columbia County, Craighead County, Crawford County, Crittenden County, Cross County, Dallas County, Desha County, Drew County, Franklin County, Fulton County, Garland County, Grant County, Greene County, Hempstead County, Hot Spring County, Howard County, Independence County, Izard County, Jackson County, Jefferson County, Johnson County, Lafayette County, Lawrence County, Lee County, Lincoln County, Little River County, Logan County, Madison County, Marion County, Miller County, Mississippi County, Monroe County, Montgomery County, Nevada County, Newton County, Ouachita County, Perry County, Phillips County, Pike County, Poinsett County, Polk County, Pope County, Prairie County, Randolph County, Scott County, Searcy County, Sebastian County, Sevier County, Sharp County, St. Francis County, Stone County, Union County, Van Buren County, Washington County, White County, Woodruff County, Yell County, and any other surrounding city or town.

WE ARE A DEBT RELIEF AGENCY AS DESIGNATED BY THE UNITED STATES BANKRUPTCY CODE. WE HELP PEOPLE FILE FOR RELIEF UNDER THE UNITED STATES BANKRUPTCY CODE.

Experienced Bankruptcy Attorneys

Credit Score Concerns

Many people wait to file bankruptcy because they are concerned about their credit scores. Potential filers are smart to consider credit-rating consequences, but may further harm their credit score by delaying filing for bankruptcy.

Arkansas Bankruptcy Associates, PLLC runs a credit report on each of its clients. The credit reporting company that we use gives clients an accurate 12-month predicted credit score. In many cases, we see predicted score increases of anywhere from 50-150 points during the one year following filing for bankruptcy.

However, full credit-score recovery following bankruptcy can take five to seven years. The good news? Filers can often obtain a loan soon after completing their bankruptcy because:

•Debt to income ratios have improved 

•Unsecured debts have been discharged 

•Creditors know that bankruptcy filers can only discharge debt through bankruptcy once every six years under Chapter 13 and once every eight years under Chapter 7. Therefore, if someone has filed recently, creditors know their debt is "safe" from another bankruptcy. 

Consider other factors when weighing the advantages of bankruptcy against credit concerns:

•Credit terms may be poorer immediately after bankruptcy, but when the cost of the credit terms are weighed against discharged debt, you'll find that you save money.  

•Terms often improve fairly soon after bankruptcy.  

•If you apply for credit in the fourth year following bankruptcy, creditors may be impressed by your debt repayment history following bankruptcy and offer attractive lending terms.