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Debt Management 2006

Bad credit
  When your credit rating is in a deep hole it's tough to get a good foothold.
A bankruptcy timeline
By Brigitte Yuille • Bankrate.com
What happens before, during and after bankruptcy
Bankruptcy Timeline
Warning! Bankruptcy approaching Alert! Bankruptcy dead ahead Cut back Prepare Seek counseling Seek an attorney File bankruptcy Personal financial course Finance a vehicle 341 meeting Chapter 7: Discharge FHA-insured mortgage Unsecured credit card Purchase home FHA-insured mortgage Chapter 13: Discharge Drops off credit report Drops off credit report
 
4 months Alert! Bankruptcy dead ahead
  If two or more of these apply to you, in addition to the previous bankruptcy indicators, trouble is just ahead:
 
• You're skipping payments or not paying bills at all.
• You're getting cash advances from one credit card to pay off another.
• You're using credit cards for day-to-day expenses.
• You panic when faced with an unexpected expense.
• Creditors are calling about overdue bills.
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TABLE OF CONTENTS
  Reports and scores
  No credit
  Bad credit
  • Debt-o-meter
  • Getting in trouble
  • Bad credit hurts
  • Emergency plan
  • There's still a card for you
  • Bankruptcy myths
  Mixed credit
  Good credit
  Getting help
  Tools to use
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