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The To-Do List for Life After Bankruptcy

You did it! You completed your long journey and now you are ready to begin a new one. In order to be financially successful after bankruptcy, you'll need to do a few things. Here's a checklist that can help.

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1. Organize Your Paperwork

Filing paperwork is necessary if you want to keep track of all of your important documents. You do not want to lose or dispose of your paperwork. Your documents serve as proof of your bankruptcy. Keeping your discharge order close by will enable you to prove that you do not owe any lenders any debt. You are now at a zero balance. If you do so happen to misplace your paperwork, make sure to request another copy from your attorney. However, there may be fees for making certified copies.

2. Review Discharged Debts

Make sure you are aware of what debts are discharged and which are not. It is important to keep the debts that you owe in good standing. It is helpful to list the bills that require monthly payments such as student loans or child support

3. Create a Budget

Creating a budget is a great method to avoid going back into debt. Budgets can help you visualize how to spend and save your money. This will allow you to plan for the future and get a better picture of what your money primarily goes towards. There are many different ways to budget and plenty of online resources for free to help you get started

4. Create an Emergency Fund

Creating an emergency fund may not seem smart or necessary right after filing for bankruptcy however it is a tip that will help you practice for better money management in the future as well as give you a sense of security in that you have money put aside that is only for one certain purpose.

5. Review Your Credit Reports

Be sure to review your credit score multiple times a year. You get one free credit report per year. It is important to keep track of what you owe and what should've been fixed after filing. You should notice an improvement in your credit score after filing for bankruptcy.

Source: Bankruptcy Solutions | Bankruptcy

 

 

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  • "When I first came to the decision to file for bankruptcy, I had no idea where to start. I began researching attorneys on the internet and came across the information for Tim Sierra. Since he specialized in bankruptcy and had a lot of experience......"
  • The process of going through bankruptcy could be very overwhelming but Tim made me feel at ease and I felt that my needs were being taken care of. I truly feel that he had my best interests in mind and the lines of communication were always open....
  • "I had to file a Chapter 7 bankruptcy. I didn't know anyone who could refer someone so I took a chance and just looked on the Internet. I don't remember exactly why I chose Mr. Sierra, but I am glad I did..."
  • He was honest, straightforward, and hard-working. In my case I ended up with some extenuating circumstances and he handled the matter professionally even though I'm sure the work probably exceeded what he originally felt it would be....
  • I don't ever write reviews, and I had no prior relationship with Mr. Sierra. This review is simply being written as a service to others that Mr. Sierra is an excellent attorney and should be considered for your needs if you need one....
  • "I'm very happy to have been referred to Tim for my Chapter 7 filing. He was knowledgeable in his field and very responsive in replying to any questions or concerns I had. Tim was also very accommodating with meeting times..."
  • " I recently was in need of Mr. Sierra's services and I found him to be very understanding and helpful in my particular circumstance. He met with me and explained everything in full detail and also answered every question that I had....."
  • " I recommend Timothy Sierra a loyal and dependable lawyer. When you talk to him you feel that you are with a friend or a member of your family. Timothy is able to lead you in every step of the process. Good job Timothy."
  • " Bankruptcy is a private and personally devastating life event. Timothy Sierra and his assistant, Nancy, made the process as painless as possible. They kept in close contact via phone and email so I always knew what was happening in my case...."
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