Life after Filing Chapter 7 bankruptcy or after Chapter 13 bankruptcy

March 25, 2010 - PRLog -- and bankruptcy is designed to help people settle their debts, cushion their financial fall, and to help them get back up on their feet again. Here are some practical ideas to keep in mind after Chapter 7 bankruptcy or after Chapter 13 bankruptcy.


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•   After Chapter 7 bankruptcy or after Chapter 13 bankruptcy, you will have extra cash-flow as you will no longer be making your monthly bankruptcy payment (after Chapter 13 Bankruptcy) or your debts have been wiped clean (after Chapter 7 bankruptcy.) Start to save in a savings account all or some of the money that you have been paying monthly for your credit card payments after you file bankruptcy online.

•   Only apply for ONE credit card. Use it only when absolutely needed, and pay it off completely every month.

•   Join a local credit union. Credit unions are non-profit organizations and are a good place to look for a car loan after bankruptcy.

•   Have money put into your savings account automatically every month. Save it before you have the chance to spend it.

•   Check your credit report now and annually. Make certain that the debts discharged by bankruptcy have been removed.

•   Remember, the more you have saved, and the less that you owe currently, the better credit risk that you are and, the more likely you are to qualify for credit when you need it.

•   Avoid credit repair companies. They will cost you more money than they will save you.

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