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

( 9 )

Overview

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 ...

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Overview

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.

Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company president’s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice.  Every book has resources, contact information, and web sites of the products or companies discussed.

This Atlantic Publishing eBook was professionally written, edited, fact checked, proofed and designed. The print version of this book is 288 pages and you receive exactly the same content. Over the years our books have won dozens of book awards for content, cover design and interior design including the prestigious Benjamin Franklin award for excellence in publishing. We are proud of the high quality of our books and hope you will enjoy this eBook version.

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Product Details

  • ISBN-13: 9781601381378
  • Publisher: Atlantic Publishing Group Inc.
  • Publication date: 1/12/2007
  • Pages: 288
  • Product dimensions: 6.00 (w) x 8.80 (h) x 0.90 (d)

Table of Contents


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
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Customer Reviews

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( 9 )
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Sort by: Showing all of 9 Customer Reviews
  • Anonymous

    Posted July 30, 2012

    Help for the rest of us

    How to Get Credit After Filing Bankruptcy by Mitchell Wakem, 2007, 288 pages, Atlanta Publishing Group, Inc., $24.95

    Despite the success of the banking industry to make it harder to file for bankruptcy with the passage of the so-called Bankruptcy Reform Act by the Republican lapdogs in the White House and Congress, millions of Americans are forced to file for bankruptcy. While big banks and big business receive billions in bailouts the average person hurt by their greed is left to fend for themselves. How to Get Credit After Filing Bankruptcy is a blueprint for recovery for the 99 per cent.
    The book is a practical and honest guide to rebuilding life after one of the most stressful events that can happen to a person or a family. In simple and straightforward language Wakem shows readers the path to a better life. Chapters on topics like buying a car, renting an apartment and rebuilding a credit rating help the recent victims of the bad economy. It may not be as good as a government bailout but it may be one of the best helps the average person can expect to receive.

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  • Posted January 8, 2010

    Good Read

    In this book, Wakem explains in-depth about the different bankruptcy options available to individuals and its repercussions. The author starts with the definition of bankruptcy and goes on to describe the several options like Chapter 7, Chapter 11, Chapter 12 and Chapter 13. There is more emphasis on Chapter 7 and 13 when compared to the other two chapters because of its relevance to individuals struggling to get out of their credit problems. Many myths surrounding bankruptcy are quashed by the author by using relevant legislation.
    The author also suggests ways and means to bring finances under one's control. A clear and concise plan to recover from bankruptcy and to take charge of life is well-elucidated by the author. She also delves into credit cards, loans and mortgage payments and the areas where an individual should watch out to avoid paying huge rates of interest after bankruptcy.
    Overall, it is well-written book that can be a perfect guide for people coping with credit problems. This subject assumes a lot of importance in the current economic downturn because more and more people are looking for ways out of their problems. Though some information like the procedure and exemptions under Chapter 7 are repeated over and over again, it is still a handy book for today's environment.
    In short, this is a practical hand book for anyone considering bankruptcy because it gives a clear idea of the process as well as life after filing bankruptcy.

    Was this review helpful? Yes  No   Report this review
  • Posted January 8, 2010

    Useful for anyone going through financial problems

    How to Get Credit After Filing for Bankruptcy: The Complete Guide to and Keeping Your Credit Under Control by Mitchell Wakem provides information useful for anyone going through financial troubles. Wakem guides the reader through the process of filing for bankruptcy, explains its positives and negatives, and then provides various ways to rebuild credit afterwards. He deflates certain myths about bankruptcy and points out many of the dangers that take advantage of the unwary.

    Wakem provides clear, concise, and easily understood explanations for concepts that are often confusing the grasp. One part of the book that I found particularly interesting is Chapter 3, where Wakem delves into bankruptcy's effect on family and personal life. Since this is a topic not often covered in financial self-help books, I found its inclusion completed the book as a whole. Wakem warns the reader of the pitfalls set before them, but also reassures them that there is indeed a future after bankruptcy. In these troubling times, How to Get Credit After Filing for Bankruptcy is an invaluable resource.

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  • Posted August 19, 2009

    more from this reviewer

    A recovery plan after financial disaster

    Mitch Wakem should be a pretty popular author these days, although he may have a reluctant audience. His book, How to Get Credit After Filing Bankruptcy, is a survival guide for one of the most traumatizing life events a person is likely to experience.
    And with the economy still in the tank, personal bankruptcy filings are expected to proliferate for some time. Personal bankruptcy filings in August 2008 numbered 934,009 for the previous 12-month period, according to a CNN report, up nearly 30 percent over the previous year. A July 24 (2009) Wall Street Journal article projected that personal bankruptcies could surpass 1.4 million in 2009.
    Wakem starts with the basics, explaining the purpose of bankruptcy and how people who file for bankruptcy protection essentially turn over their finances to the court until the matter is settled. He clearly spells out the differences between Chapter 7 (liquidation) bankruptcy and Chapter 13 (reorganization) bankruptcy, the two most common forms of personal bankruptcy. Chapter 7 is the more complete bankruptcy and, especially since the enactment of a 2005 law, much harder to qualify for.
    He includes answers to a wide-ranging list of FAQs about bankruptcy, including how long your credit rating will be damaged and to what extent (Answer: It depends). And he dispels a few myths along the way.
    In Part 2, Wakem lays out how to rebuild your credit after bankruptcy and how to avoid repeating mistakes that might have gotten you in trouble to begin with. He also offers advice on dealing with credit counselors and equity-based debt-consolidation loans, among other things.
    Wakem takes a complicated subject and makes it understandable, which is no small feat. He doesn't tout bankruptcy as a cure-all for what ails you, and warns that the stress could take a toll on you and your marriage or other relationships.
    "Bankruptcy should be looked at as a new beginning to gaining financial control of your life, but it is not a magic formula that will erase all your financial obligations," he writes.
    But for people terrified by the thought of entering bankruptcy, Wakem removes some of the fear and mystery. How to Get Credit After Filing Bankruptcy: The Complete Guide to Getting and Keeping Your Credit Under Control was published two years ago, but it's more timely now than ever.

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  • Posted June 16, 2009

    more from this reviewer

    How to establish credit after bankruptcy

    Are you facing tough financial times and considering bankruptcy? Before you do, get a copy of this book and read it carefully. Before jumping in with both feet, read this book and learn about bankruptcy and working with you creditors as explained in this book. Not everyone needs to file for bankruptcy as the last resort. There are ways of working with your creditors before you file for bankruptcy.

    This book explains about the two types of bankruptcy for individuals, Chapter 7 and Chapter 13. There may be ways to save some of your property, while eliminating some of your debt. You cannot eliminate all debt, such as State and Federal taxes through using the bankruptcy laws. Under certain conditions, you might be able to keep your home; this is where a competent bankruptcy attorney comes in.

    This book is for the person considering bankruptcy in tough financial times. Before you take the first step toward bankruptcy, read this book. Knowledge is a wonderful thing. Learn the points of bankruptcy before you visit an attorney. You will be glad you did. This book receives a four star rating from this reviewer.

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    Posted March 31, 2010

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    Posted July 4, 2010

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  • Anonymous

    Posted January 21, 2010

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    Posted September 8, 2009

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