Life After Bankruptcy in New Jersey and New York
There is life after bankruptcy and William Z Schneider & Associates will assist in in claiming it back, even after the bankruptcy.
We will advise you about the steps you can take, to get yourself back on track and in good standing with the credit bureaus. Instead of looking at bankruptcy as something negative, consider it to be a fresh start, a time to change your spending habits and become the financially stable person you’ve always wanted to be.
First of all, it’s only understandable that it’s going to take some time to repair your credit score . Use this period in your life to center your attention on your financial present…you might be surprised at how making a few changes in your lifestyle could be a big help in the long run.
Take a long, hard look at your spending habits. Are you going out to dinner a few times per week? How about lunch? Are you running up to the local sandwich shop on your break Monday through Friday with coworkers? Bringing your lunch every day and cutting back on fast food and restaurants could potentially save you more than $50 per week. Don’t forget about those daily $5 frappuccinos – you don’t really need them to start your day off, now do you? You’ll also want to analyze how much money you spend per month on new clothes and entertainment.
Another smart move for you to make is to open a new line of credit, but only one. A secured card might be the lone option at this point, but it will only take about six months to a year to be able to upgrade to an unsecured card. Use your new card sparingly and make sure to always pay on time and in full.
Our experienced bankruptcy attorneys will help you reclaim your debt free future and keep it.
