Law Offices of Ryan C. Wood, Inc.

Success Story: A Decade After Bankruptcy — How Ryan Woods Helped Me Rebuild and Thrive

Ten years ago, I filed for bankruptcy. It was one of the hardest decisions I’ve ever had to make. I didn’t know what life would look like afterward, but I knew I needed help. That’s when I found attorney Ryan Woods, who turned out to be more than just legal support — he became a key figure in setting me on a new path.

Fast forward to today: one of my clients, someone I work with in my current industry, just happened to hire Ryan Woods as well. That coincidence reminded me how far I’ve come, and how instrumental Ryan was in helping me get here.

Ryan didn't just help me navigate the bankruptcy process — he connected me with the right people and gave me the tools and strategies to rebuild. Within a year, my credit score had bounced back to around 730, and it’s stayed strong ever since. Within two and a half years, I was able to buy a home — something I never thought would be possible so soon after bankruptcy.

A lot of people assume bankruptcy is the end, but Ryan helped me see it as a fresh start. Over the last decade, I’ve been able to secure business loans, auto loans, home equity lines, and other key financial tools because of the credit discipline I built early on. Today, I am officially debt-free, and I’m already halfway through the principal on my mortgage.

If you're working with Ryan Woods now or thinking about rebuilding your credit after bankruptcy, here's what I want to tell you: don’t stop at the finish line of the bankruptcy process. That’s just the beginning. Keep going, keep learning, and your success will grow.

The moral of the story? When it comes to your goals — whether it’s buying a car, starting a business, or owning a home — it’s rarely a matter of no. It’s a matter of when. Build good habits. Stick to them. And your financial life will follow.

Thank you, Ryan Woods, for helping me reclaim my future. I encourage others to believe in this journey — it is absolutely possible.

Atty wood is very nice and knowledgeable of what bankruptcy 7 and he will be there for you on creditors meeting. He will give you an idea what to do before the creditors meeting . He did an excellent job. Thank you very much atty wood.

I retained Mr. Wood after my Chapter 13 case was dismissed. This dismissal was unopposed by my previous attorney so the case was dismissed by default. After doing some research on my own (I’m sure lawyers love it when their clients do that,) I called numerous attorneys to ask if they could file a motion to oppose the dismissal. Every single attorney I called (apart from Mr. Wood) told me my only option would be to file a new Chapter 13 case and start a new 5 year process of making payments despite already having made almost 4 years of payments.

When Ryan assessed my case, he told me he would immediately file a motion to vacate the dismissal. He was incredibly thorough and made sure to cover everything, asking me tons of questions about my life and the circumstances surrounding my missed payments and subsequent dismissal of my case. Within a few hours, we had a plan of attack, he told me exactly what I needed to do, and the next day he filed a motion to vacate the dismissal. A couple days later my chapter 13 case was reactivated. This meant that I didn’t waste 4 years of monthly payments and that I could continue on with my plan payments to repay my creditors.

Ryan navigated all of this while setting expectations and not making any promises. I did however have total confidence in his abilities and I knew that he would be my best option if I wanted a fighting chance at getting this resolved. It’s so clear that Ryan deeply cared about me as a client. Ryan gave me back my sanity, my happiness, and allowed me to continue on my pathway to financial freedom. Thank you for being an excellent human being. You are one in a million.