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Carole Friend, Attorney
Click to Access Western KY Bankruptcy Court Website
Click to Access Lexington KY Bankruptcy Court Website
If you've filed bankruptcy and are dealing with the aftermath, don't worry! Your financial future doesn't have to be bleak and hopeless! There is life after bankruptcy and there are steps you can take, starting today, 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, obtain a copy of your credit report but don't spend too much of your valuable time focusing on your credit score. It most likely took a pretty big hit after you filed bankruptcy and it's only understandable that it's going to take some time to repair it as well. 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.

You might also want to think about using the services of a credit repair company after your bankruptcy has been filed. They can often put you on the fast track toward better credit and if you follow the few steps above as well, you'll rebound from your bankruptcy as quickly as possible. Remember, it's up to you to turn your financial future around, you can't just sit back and wait for it to happen on its own. There is life after bankruptcy, but it's only what you make of it. You've been given a second chance - don't let this opportunity pass you by. Reclaim your financial future today!
If you've filed bankruptcy and are dealing with the aftermath, don't worry! Your financial future doesn't have to be bleak and hopeless! There is life after bankruptcy and there are steps you can take, starting today, 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, obtain a copy of your credit report but don't spend too much of your valuable time focusing on your credit score. It most likely took a pretty big hit after you filed bankruptcy and it's only understandable that it's going to take some time to repair it as well. 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.

You might also want to think about using the services of a credit repair company after your bankruptcy has been filed. They can often put you on the fast track toward better credit and if you follow the few steps above as well, you'll rebound from your bankruptcy as quickly as possible. Remember, it's up to you to turn your financial future around, you can't just sit back and wait for it to happen on its own. There is life after bankruptcy, but it's only what you make of it. You've been given a second chance - don't let this opportunity pass you by. Reclaim your financial future today!
Phone: 502 542-2398