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You should adopt a lifestyle that is simpler, without luxury and needless expenses. Use your finances instead to build good credit, purchasing only what you absolutely need. Put away any extra money into a savings account for emergencies, and if possible, get a credit card to start rebuilding your credit. However, you must pay off your credit card each month if you want to stay out of trouble.

Don’t focus on your new lifestyle as being deprived, but think only about the end goal of being debt-free. When you finish your bankruptcy proceedings, you will have been given a new chance with your financial history and credit history. Although it won’t be perfect, it will be at a point that you can build upon to secure yourself against future financial problems. Since the bankruptcy will stay on your credit report for ten years, don’t be surprised if you do get turned down for certain loans and credit cards, or if their fees turn out to be astronomical.

Have questions about bankruptcy?  Contact us to speak with a San Antonio bankruptcy lawyer today.