| Are you on a bankruptcy mailing list and if you | | | | you not to borrow money. Credit cards will not |
| are how do you get off of it? Once your | | | | be allowed. This is a once in a lifetime chance to |
| bankruptcy has been granted by the court you | | | | live debt free for the rest of your life. Being on |
| can forget all the creditors that constantly | | | | the bankruptcy mailing list and receiving daily |
| hounded you for months on end. All your debts | | | | credit card offers will provide plenty of |
| will be discharged by the court and you will be | | | | temptation. |
| debt free. More than likely you will have been | | | | The only way for you to stay debt free is to |
| working with a financial counselor and bankruptcy | | | | change your spending behavior. The best way to |
| attorney during the entire process. Your | | | | do this is to live on a cash only basis for the first |
| bankruptcy will be published and will be part of the | | | | year after bankruptcy. Despite all the junk and |
| public records. Anyone including marketing | | | | hype that you receive as a result of being on the |
| agencies will have access to your information. | | | | bankruptcy mailing list you do not need a credit |
| In most cases you will begin to get consumer | | | | card to build up your credit score. Many millionaires |
| credit offers in the mail. You may ask why you | | | | have credit scores of 0, that's right Zero. The |
| are getting all the junk mail. Basically it comes | | | | FICO or credit score is a scam that enslaves |
| from marketers that developed a bankruptcy | | | | people to stay in debt. Just don't do it. Set up and |
| mailing list. This list is in turn sold to consumer | | | | follow a good cash only budget if you don't you |
| marketing firms. These firms will be sending you | | | | will soon be getting calls from online debt collection |
| offers for just about anything. Probably the | | | | agency's and credtors again. |
| largest number of mailings you will receive will | | | | More than likely you will remain on the bankruptcy |
| contain bankruptcy credit card info. Soon you | | | | mailing list for about two years. Most of the |
| may even begin to receive phone calls that will | | | | bankruptcy credit card info mail will arrive in the |
| pitch consumer credit offers. Many people find | | | | first year after bankruptcy. Stay disciplined and |
| that they are getting harassed by all these offers | | | | stays on budget and you will stay debt free. Do |
| and wonder how they can get off the mailing list. | | | | not buy anything on credit. You must start saving |
| Unfortunately that is really not possible. The best | | | | and investing your money during the first two |
| advice is to simply throw all the credit card junk | | | | years after bankruptcy and pay cash for |
| mail away. Most of these offers contain scams | | | | everything. Buy good used cars with cash. Rent a |
| and predatory lending schemes that will soon get | | | | home until you can afford to pay cash for one. |
| you into financial trouble again. The financial | | | | Eventually you will become wealthy using these |
| counselor that you used during the bankruptcy will | | | | basic principles and never end up filing for |
| help you develop a budget process that requires | | | | bankruptcy again. |