How to Get Credit after Filing Bankruptcy: The Complete Guide to Getting and Keeping Your Credit under Control »

According to the United States Bankruptcy Courts, the number of bankruptcies filed each year is on the rise. People file bankruptcy for a variety of reasons, such as preventing foreclosure on their homes, preventing repossession of property, loss of employment, or reducing or eliminating debts. The most common types of bankruptcy for which individuals file are Chapter 7 and Chapter 13. Chapter 7 involves the surrender of property to pay debts, while a Chapter 13 bankruptcy allows for the retention of property but requires payments over the next three to five years. A person who finds himself or herself in this undesirable situation may wonder how they are ever going to repair their credit. How to Get Credit after Filing Bankruptcy: The Complete Guide to Getting and Keeping Your Credit under Control provides the answers in a clear-cut, easy-to-read manner. The author tells you how to take charge of your credit so you can apply for loans and mortgages and obtain low interest rates. In addition, you will learn how to order a copy of your credit report, how to check your credit report for accuracy, how to read it, how to avoid discrimination and credit repair scams, how to apply for an unsecured credit card, how to report your good work to bureaus if creditors do not, how to maintain good relationships with your bank and creditors, how to consolidate all your debt, how to lessen your reliance on credit cards, and how to decide if lawyer-assisted credit repair is right for you. You will also learn simple strategies for making payments on time and for rebuilding your credit. Whether you have just declared bankruptcy or you have been living with the stigma for years, this new book will provide you with all the information you need to take a step in the right direction.

Introduction 7 Section 1 Bankruptcy Overview 11 Chapter 1 What Is Bankruptcy? 13 Chapter 2 The Truth About Bankruptcy 25 Chapter 3 Bankruptcy & Family 51 Chapter 4 Before You File for Personal Bankruptcy 67 Section 2 Rebuilding Your Credit After Bankruptcy 73 Chapter 5 Credit Reports 83 Chapter 6 Credit Report Disputes 95 Section 3 Have A Plan 103 Chapter 7 Your Plan 105 Section 4 Credit Card Applications 119 Chapter 8 Applying for Credit Cards 121 Chapter 9 Your Fico Score 131 Chapter 10 Buying a Car After Bankruptcy 145 Chapter 11 Buying a Home After Bankruptcy 171 Chapter 12 Getting an ApartmentAfter Bankruptcy 231 Chapter 13 The ChexSystems Blacklist 245 Chapter 14 Your Insurance Rates After Bankruptcy 257 Chapter 15 Bouncing Back 271 Chapter 16 Credit Counseling 279 Conclusion 283 Bibliography 285 Author Biography 286 Index 287