Before Bankruptcy?
There's no one right answer for people facing bankruptcy, but there is one universal truth: financial problems don't clear up on their own. If you're watching credit card balances climb and collection letters pour in, it's time to take control and get the information you need to make good decisions for your financial future.
Learn the basics about Chapter 7 bankruptcy and Chapter 13 bankruptcy, and then, if you'd like more information, talk to a local bankruptcy lawyer to get advice specific to your situation.
If you'd just like to talk to other people in similar circumstances and learn from their experience, check out our bankruptcy message boards.
The Chapter 7 means test introduced in 2005 has received a lot of confusing press coverage, and made many people fear that they no longer qualify for Chapter 7 bankruptcy. For most people, that's just not true. For those whose income is below the median in their states, the means test presents no obstacle. Many people with incomes above the median also qualify for Chapter 7 bankruptcy if they have little disposable income.
Don't let these bankruptcy reform requirements worry you. You can complete an approved Credit Counseling Briefing easily and affordably right at your home computer. For more information, visit Start Fresh Today.
Join our Community
Have a Bankruptcy or Credit Question?
Ask in our Forum
After Bankruptcy?
After you've filed for bankruptcy and before you receive your bankruptcy discharge, you'll have to complete an approved financial management course, commonly known as Debtor Education. The financial management course is designed to encourage budgeting and sound financial planning so that you can make the most of your fresh start in bankruptcy, and to provide a solid foundation for rebuilding your financial life.
If you've heard dire predictions like, "You won't be able to get credit for ten years", you're in for a pleasant surprise-if you manage your post-bankruptcy credit carefully and with an eye toward re-establishing credit and raising your credit scores.
Just as it was important to educate yourself about your options before filing bankruptcy, it's critical that you understand your credit reports and credit scores.
Have you found errors in your credit report?
Do you have Negative items reported?
Wouldn't it be nice to repair your Credit Report?
But where to start?......
Find Help In Your State
Need a Local Bankruptcy Attorney?
No matter what state you're in, our affiliate can put you in touch with a bankruptcy attorney in your area. If you're in a financial crunch, don't wait around for the situation to get worse-arrange a consultation with a local bankruptcy attorney and learn about your rights and options in Chapter 7 bankruptcy and Chapter 13 bankruptcy. Educating yourself is the first step toward financial freedom, no matter which path you decide to follow.
Need a New or Used Vehicle?
But you have a Bankruptcy or Bad Credit? No problem!!!
We have searched for some of the Best Auto Dealerships that understand that sometimes bad things happen to good people.
