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Life after bankruptcy

What is life after bankruptcy like?

When you’re considering filing bankruptcy because of too much debt, you’re probably wondering what life after bankruptcy is like. Will you ever be able to get a loan for a car or home again? Will you be able to use a credit card? And will you be treated like an outcast for the rest of your life?

The good news: it’s possible to live a great life after bankruptcy – if you put the right plans in place to manage money efficiently and stay out of financial difficulty. Understanding – and avoiding – the choices that got you into trouble originally is the first step to a successful life after bankruptcy. You’ll need to create a manageable budget – something you can live with and something that lets you pay all your bills on time. And you’ll need to take additional steps to begin repairing your credit immediately, to eventually rebuild your financial life after bankruptcy.

While life after bankruptcy can seem overwhelming, working with a certified debt consultant can help to relieve that stress while providing you with helpful guidance and objective advice about rebuilding your credit.

ACCC provides help for life after bankruptcy.

American Consumer Credit Counseling (ACCC) is a nonprofit credit counseling center offering free credit counseling to consumers nationwide. Our certified credit counselors and debt advisors can help you through the entire bankruptcy process – from explaining your bankruptcy options to pre filing credit counseling and post-bankruptcy debtor education. We can answer your questions about what life after bankruptcy is like, and help you understand the steps you need to take to restore your credit.

As one of the nation’s leading credit counseling agencies, our fees for services are among the lowest in the industry, and in some cases, reduce payments for financial hardship.

Alternatives to considering life after bankruptcy.

If you’re concerned about managing life after bankruptcy, you may want to consider other options for paying off your debts. Our highly trained debt advisors can help you explore all the options available to you, including a debt management program.

A debt management program is a highly efficient way of paying off your debts while developing the habits and strategies for living life debt free in the future. In ACCC’s debt management program, you’ll make a single payment each month to ACCC, and our team will pay all of your creditors on your behalf, making sure payments are made on time. We’ll also work with your creditors to ask for reductions in finance charges, late fees, and over-limit fees, helping to lower the amount you owe so you can pay it off faster.

See if our Debt Management Program is right for you Should you consolidate your debt? See how much it really costs to use your credit cards

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