Life after Bankruptcy

Now that you are debt-free, what happens next?

Most people feel great relief when a bankruptcy is complete. The battle to pay the bills is over. The creditor calls and letters have stopped. But then reality sets in: “How do I keep this from happening again?”

  • Your credit rating won’t be strong right now – but it probably hasn’t been for a long time. The important thing is that now you can begin to rebuild your credit by making wise decisions.
  • You may get credit offers that sound too good to be true. They probably are. A bill collector may use a credit card offer to get you to sign a reaffirmation agreement to pay back the debt that was just discharged.
  • Beware of companies that claim they can erase your bad credit. All they can do is correct errors on your credit report – and you can do that for free.
  • Avoid high cost loans and “secured” credit cards. In most cases, you will qualify for credit cards and loans at a reasonable cost.
  • Don’t get pressured into buying something you don’t want or need – especially when it’s being sold on a monthly payment basis. Know the annual percentage rate, the length of the payments and the total cost.

Companies offering credit are being held to a higher standard now than ever before. Take advantage of that. Read the documents you are given. Make sure you understand what you are signing. Don’t ever feel pressured or rushed to make a decision right away.

Call 1-877-581-3396 and talk to an attorney about a fresh start.

You can rebuild your credit after bankruptcy. You will find that many creditors want you to succeed and will be willing to help. If you are ready to file for bankruptcy or if you have more questions, ask for a FREE initial consultation at Bond & Botes.

Bond & Botes Law Offices

At Bond & Botes, we now offer full service bankruptcy consultation and filing over the phone or by video from the comfort and safety of your home or office. Please call 1-877-581-3396 or click here to setup your free phone or video consultation.

The lawyers at the Bond & Botes affiliated offices serve clients at offices in Anniston, Birmingham, Mobile, Montgomery, Opelika, Decatur, Huntsville, Florence, Haleyville and Gadsden, Alabama; Vicksburg, Hattiesburg and Jackson, Mississippi. Read our disclaimer here. You can view our Privacy Policy here.

Alabama Offices

Birmingham

2107 5th Avenue North
Age-Herald Building
Birmingham, Alabama 35203
Phone: (205) 802-2200


Shelby County Location
15 Southlake Lane, Ste 140
Birmingham, AL 35244
Phone: (205) 802-2200


Florence Location
121 S. Court Street
Florence, AL 35630
Phone: (256) 760-1010


Huntsville Location
225 Pratt Avenue NE
Huntsville, AL 35801
Phone: (256) 539-9899


Montgomery Location
311 Catoma Street
Montgomery, AL 36104
Phone: (334) 264-3363


Decatur Location
605 Bank Street
Decatur, AL 35601
Phone: (256) 355-2447


Haleyville Location
914 19th St.
Haleyville, AL 35565
Phone: (205) 486-3580


Gadsden Location
430-B Chestnut Street
Gadsden, AL 35901
Phone: (256) 485-0195


Opelika Location
216 South 8th Street
Opelika 36801
Phone: (334) 887-7666


Anniston Location
1302 Noble St #2C
Anniston, AL 36201
Phone: (256) 344-3559


Cullman Location
200 Second Avenue SW
Cullman, AL 35055
Phone: (256) 739-9866


Mississippi Offices

Jackson Location
5760 I-55 North, Ste 100
Jackson, MS 39211
Phone: (601) 353-5000


Hattiesburg Location
607 Corinne St, Ste B8
Hattiesburg, MS 39401
Phone: (601) 264-7200


Vicksburg Location
1212 Farmer Street
Vicksburg, MS 39180
Phone: (601) 353-5000

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