I will never get credit again

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Quite the contrary. It will not be long before you are receiving credit card offers and loan offers again. There are numerous companies that will provide credit to you after a bankruptcy. Keep in mind that the interest rates will likely by high for the first few years. However, we do not advise any of our clients to run up the bills again, but if someone does need an automobile for example, they will be able to get credit and purchase their desired vehicle. Also, if you have a credit card with a zero balance on the day you file for bankruptcy, you don’t have to list it as a creditor since you don’t owe any money on it. That means you might be able to keep that card even after the bankruptcy.


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