Not very long ago, I sat down and “Googled” the phrase “life after bankruptcy”. I found nothing particularly well organized. Most of what was available was unhelpful. What I found was sadly ridiculous. It either stated the obvious, or even worse, offering what I felt to be poor advice.
Worst of all, some of the “information” I found was a thinly disguised attempt to mislead the reader.
Here is a sample of the nonsense I discovered in my Google search
- An advertisement to try to sell you a mortgage or car loan;
- A strange looking blue and green colored website that ridiculously warned against working hard to try to pay off your mortgage (the site author claimed paying off your mortgage reduced your “credit score”);
- A blog post which stated the obvious, advising you to “avoid 0% credit cards because the interest rate could be increased later on” (paraphrased);
- An offer from someone named Steve requesting that you provide very personal information and pay money in order to receive a “subscription” to his advice; and
- Advertisements from “Debt Consolidators/Credit Counselors” and dubiously qualified bankruptcy lawyers. In short, I found very little helpful information.
I decided to create my own content about life after bankruptcy where I would focus on four topics:
- De-mystify the “bankruptcy process” and let people really know what it was like to go through a bankruptcy filing;
- Dispel myths and tell people what really happens in the months and years after a bankruptcy filing;
- Share resources I find that support what I believe is my moderate, yet balanced, view of how to best provide well for yourself and those dependent upon you and to be a little bit different than the “Joneses”. I can assure you that the “Joneses” are probably about as broke as everyone else; and
- Communicate to you why bankruptcy is such an important tool for so many and to provide you with some historical and current thoughts on bankruptcy so that you can decide if a bankruptcy filing is right for you and your family.
And here it is. Free, for everyone.
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