Bankruptcy has a social stigma attached to it. This makes it hard to envision life after bankruptcy. Many people struggle with the decision of whether to file. Often by the time people do file it is far past the time when it would have been most ideal for them to file. For instance, some people take drastic measures in an effort to avoid bankruptcy but end up losing assets that would have been protected through bankruptcy and they would have been able to keep. So, if you’re exploring bankruptcy we are here to tell you: there is life after bankruptcy.

Regaining Your Financial Health After Bankruptcy

Bankruptcy gives you the opportunity to take control of your finances and make good financial decisions moving forward. While the decision to file for bankruptcy is difficult, it is also the decision that will free you from debilitating debt and long-term financial struggles.

After bankruptcy create a realistic budget and stick to it. With your debt problems behind you, you are free from hefty monthly credit card or medical bills. You’ve got a fresh financial start.

Begin Rebuilding Your Credit

After bankruptcy, make it a priority to pay all of your current bills on time, like rent, car payments, and utilities. Set up automatic bill payments to make it easier.

Consider getting a credit card as a means to help rebuild your credit. You do not want to end up in debt again. Only charge what you can afford – and pay the bill in full, on-time each and every month. This will help your credit score increase because it demonstrates your ability to pay back your debts.

Also, monitor your credit report after bankruptcy. Make sure all accounts are properly reporting a zero balance and “discharged in bankruptcy.” Make sure all other information is accurate as well. You have the right to dispute inaccurate information. Check out our article Order A Free Credit Report to learn more!

Life After Bankruptcy

Imagine living without the stress of debt. That is life after bankruptcy. We understand that filing for bankruptcy is a difficult decision, but it may be the best financial decision for you.

Here at the Law Office of Barbara B. Braziel we will make sure you understand the benefits of bankruptcy and how filing with affect you and your family. We invite you to learn more about our firm here and come meet with us for a free, no-obligation consultation.

Reach out to us by email at or call (912) 351-9000.


We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code. Find out more about Bankruptcy in our guide: All About Bankruptcy.

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