If you're considering getting a secured credit card after bankruptcy or just to start rebuilding your credit but aren't sure what features to look for in a secured card, this article will answer the basic questions about secured credit cards, how they work and offer a list of some of the best ones from a variety of credit card companies. With accumulating debts and the resultant pressure on debtors, there have been several defaults. This counseling must be completed prior to 180 days of the bankruptcy discharge. You’ll be able to move forward, rebuild your credit, and start life with a clean slate. When we are discussing a discharge of a debt, we are referring to the legal termination of a debt account attributed to a business.

There are two major types of bankruptcy in the State of Indiana. Is it due to the creditors that are repeatedly calling and harassing you? If this is your reason, you may be able to stop the harassing phone calls without filing bankruptcy. There may be some debtors might not prefer to seek expert advice. Get an insurance policy.

After DischargeYou are now debt free. If this is the case for you, you may want to consider talking to your attorney about the possibility of losing your home. However, the catch when it comes to this is that you will need to pay for the debt on the next payday. Your Rights as Granted by the Bankruptcy Courts.


If you've filed Chapter 13, you will have submitted a proposal for your payment plans along with your petition. In order for you to qualify for a discharge of you unsecured debt in the Chapter 13 bankruptcy case, you must wait at least 4 years from the date your Chapter 7 bankruptcy case was filed. However, bankruptcy proceedings are a private affair. This is when you ask a blogger in your field if you can post an article to their blog. For instance, they may be willing to lower your monthly payment amount or interest rate to give you the chance to get caught up with your debts.

Houston bankruptcy attorneys have shown their suzerainty in the legal industry by reducing liabilities and debts and enabling people to organize their assets and investments. You should open up a new account that is yours alone. One big expense becomes two, two become four, and soon you’re using your credit card more than you should. Consumer Accountability.

For more information about bankruptcy go to Southern California Law Advocates. You have no obligation to pay anyone after your debt is discharged and should report harassing letters and phone calls to your bankruptcy attorney immediately. Do not let the collections agencies or the bankruptcy attorneys dictate your decisions. This will protect you from repeating the same mistakes again.