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Introduction: Bankruptcy Is Not the End of The Road

1. Taking the First Step Toward Rebuilding Your Credit

   Getting a Copy of Your Credit Reports

   What Your Credit Report Says About You
   Updating Your Discharged Accounts

   Bringing Your Credit Reports Up-To-Date

   What If You Run Into a Snag?

   Credit Repair Warning Signs
   

2. Getting Rid of Your Remaining Debts

   What if a Creditor Tries to Collect a Discharged Debt
   What to Do About Bounced Checks
   Do You Pay Income Tax on Discharged Debt?
   What To Do With Debts That Weren't Discharged

   Putting The Debt-Buster Strategy to Work For You

   Repaying Your Student Loans

   To Re-Affirm or Not To Re-Affirm?

   When Does It Pay to Re-Affirm a Credit Card

   Falling Behind On Your Reaffirmation Agreement
   

3. Breaking the Debt Cycle -- For Good!

   How To Become a Credit-Savvy Consumer

   Ten Tips For Breaking the Debt Cycle -- For Good!

   Do You Repay Discharged Debts Once You're Prosperous?

   Use GoalGetting to Change How You Think About Money
   

4. When You're Ready To Get a New Credit Card

   Shopping For the Best Secured Credit Card

   Make Sure Your Credit Card Rebuilds Your Credit

   Top Secured Credit Cards

   Can You Get an Unsecured Credit Card After Bankruptcy?

   Are Debit Cards Good Or Bad?

   Three Tips For Keeping Credit Card Bills Under Control

   Getting a Gasoline Credit Card
   

5. Ready To Buy A New Set of Wheels?

   Need a Car Before Your Credit Is Cleared Up?

   Ready to Get a Car Loan?

   Should You Get a Co-Signer?

   The Best Way to Buy a Car From a Dealer

   What If You Already Have a High-Interest Car Loan?

   Leasing A Car -- Don't Unless You Have No Other Choice
   

6. Easing Your Job Fears After Bankruptcy

   Can You Lose Your Job?

   Finding a New Job With a Credit Check
   

7. Renting an Apartment or House After Bankruptcy

   Strategies to Get the Rental You Want

   Talking with the Landlord
   

8. How To Travel Without Credit

   How to Reserve Hotel Rooms Without a Credit Card

   How to Rent a Car Without a Credit Card

   How to Buy Plane Tickets Without a Credit Card
   

9. When You're Ready To Buy a House

   How Much House Can You Afford

   Strategies That Will Reduce Your Closing Costs

   Where to Get Your Down Payment

   Other Strategies For Buying a Home After Bankruptcy

   Refinancing After Bankruptcy

   What Type of Mortgage Lender Should You Use

   How to Buy a Home Less Than a Year After Bankruptcy

    

10. What If You Find Yourself In Over Your Head Again?

    Short-Term Strategies to Help You Get Back On Track

    Is It Hard to Stop Spending More Than You Make?

    Could You Have a Gambling Problem?

    How to Keep From Falling Back Into Debt

    What If You Fall Behind On Your Mortgage?

    What If Your Mortgage Lender Threatens to Foreclose?

    What to Do About Your Credit Cards

    What to Do About Other Bills You Have

    Selecting a Good Credit or Budget Counselor

    What If You Have to Declare Bankruptcy Again?
    

11. Building Financial Security

    Investing Your Money Once You're Out of Debt

    Prepaying Big Loans to Save Thousands In Interest

    Ten Strategies to Help You Avoid Money Drains
    

12. Keep Up the Good Work!

    Four Strategies to Keep You On Track

    Good Resources to Check Out
    A Final Word From the Author