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The Debt Phoenix - Rising From the Ashes of Debt and Bankruptcy to Financial Freedom

A step by step guide to dealing with the emotional and financial problems of debt and bankruptcy and using proven strategies to overcome them and rise to a future of financial freedom.

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How to Purchase a House After Chapter 7 Bankruptcy – Here’s Some Strategies You Can Use

How to Purchase a House After Chapter 7 Bankruptcy – Here’s Some Strategies You Can Use One of the biggest questions I get is “How can I get into a new home after filing bankruptcy?” For this article, I will focus on how to do so after filing Chapter 7, as the process is different when you filed … [Read More...] about How to Purchase a House After Chapter 7 Bankruptcy – Here’s Some Strategies You Can Use

IN THE SPOTLIGHT

Included in Bankruptcy (IIB) Or Not – How to Get Back In With Lenders After Bankruptcy

Included in Bankruptcy (IIB) Or Not – How to Get Back In With Lenders After Bankruptcy One topic you will often see come up after filing for Bankruptcy and rebuilding your credit is whether you included an individual lender in your bankruptcy filing. This is often referenced by the abbreviation IIB (Included in bankruptcy). Let’s […]

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How To Choose A Bankruptcy Attorney – Avoid the Bad Ones and Choose a Great Lawyer!

How to Purchase a House After Chapter 7 Bankruptcy – Here’s Some Strategies You Can Use

Which is Better, Debt Consolidation or Chapter 7 Bankruptcy?

7 Steps to Take After a Chapter 7 Bankruptcy Discharge to Move On With Your Life

Is Bankruptcy a Catastrophe or a Big Relief? Dealing with Debt and Resolving it Now…

Is Bankruptcy a Catastrophe or a Big Relief? Dealing with Debt and Resolving it Now… Sometimes it’s hard to fully understand bankruptcy when you are going through the situation yourself. When you’re actively dealing with a big debt problem, it always feels like a catastrophe and that you are a total failure. I know for […]

Good Debt vs Bad Debt: Understanding the Difference

While many people think of debt as being a bad thing, this is not always the case. Some debts are brought on by careless spending and can lead to problems for a person. Some debts, considered good debts, are those that are needed for big purchases such as a home. This kind of debt brings […]

Going Bankrupt in Your 20s-What Debtors Must Know Today

Getting into debt takes very little effort on a person’s part. Paying off debt once it has amassed tends to be extremely difficult. Individuals often underestimate how much they will pay in interest and other fees and find they are in over their head in little time. For this reason, numerous people in their twenties […]

Mental Strategies for Dealing With Debt Collections – And Staying Sane In The Process

Debt collections is often much more mentally and psychologically challenging than the actual collections themselves. Let’s take a look at a variety of ways to handle this mental challenge. Take a Long Term View The first step to realize is that your debt situation is a passing thing.  It WILL be resolved someday. It is […]

Here’s How To Answer When Debt Collectors Call You

One of the scariest things you may encounter when you are considering a bankruptcy or you are in a tough debt situation is the endless calls from debt collectors. At my peak, I was getting over 28 calls per day from debt collectors. That’s a lot of stress and can cause you a lot of […]

Should I Reaffirm My Debts in Chapter 7 Bankruptcy? Here’s Why Maybe You Shouldn’t

One of the things that you may be most concerned about when you are considering filing for Chapter 7 bankruptcy is whether you should reaffirm your debts or not. Usually people think like this when they are worried about losing something, like a car or a house, or they want to start rebuilding their credit […]

Choosing and Preparing for Chapter 7 Bankruptcy – A Step by Step Guide to All Of The Things to Consider

After meeting with several hundred clients over the years, lawyers often see common issues in bankruptcy cases. Though some of these are more serious than others are, all may have a substantial effect on the outcome of a case. Below are some things to do (and some to avoid) before filing for Chapter 7 bankruptcy […]

How I Got a 5.9% Car Loan 5 Days After Chapter 7 Bankruptcy Discharge

One of the things that people considering filing for bankruptcy are most worried about is what is going to happen to their car. In other articles I talk about the different options you have to both keep your car or to abandon it if it is upside down (you owe more than it is worth). […]

Should I Get New Credit Cards Right After Receiving my Bankruptcy Discharge?

One question that comes up a lot is: Should I get credit cards as soon as my bankruptcy gets discharged so I can rebuild my credit? Here Are The Reasons You May NOT Want to Get Credit Cards Immediately After Bankruptcy Discharge If your bankruptcy was due to being irresponsible with money and running up […]

Dealing With The Emotional Struggles When Thinking About Filing Chapter 7 Bankruptcy

One of the hardest things to deal with when you begin to realize that you will need to file for bankruptcy protection is the emotional struggle. All kinds of questions start to rapidly form in your head such as: “I can’t believe this is happening. I’m a good person yet now I cannot pay back […]

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