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Paperback Bounce Back from Bankruptcy: A Step-By-Step Guide to Getting Back on Your Financial Feet, 4th Edition Book

ISBN: 1889605166

ISBN13: 9781889605166

Bounce Back from Bankruptcy: A Step-By-Step Guide to Getting Back on Your Financial Feet, 4th Edition

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Format: Paperback

Condition: Very Good

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Book Overview

The ONLY thing standing between you and good credit after bankruptcy is not knowing what steps YOU should take next. Whether you are looking for immediate credit after bankruptcy or you never want to... This description may be from another edition of this product.

Customer Reviews

5 ratings

Bounce Back from Bankruptcy is Boffo !!!

I love this little book. It's easy to read, well laid out, and absolutely without pretension. It's written by a nice lady who went through bankruptcy and got scammed after she filed by a company which offered her a credit card if she jumped through the right (expensive) hoops with their company. The result, after a year of effort and expense, wasn't pretty. But like everybody who becomes successful, she took the money she was scammed out of as just another tuition payment, and worked harder to find ways to rehabilitate her credit. And she did. It took her longer than it should have, which she freely admits (she wasn't able to purchase a new home for six years, which is much longer than if you do it right). The good news is that if you read her book, you'll avoid a lot of the common credit repair scams (she carefully describes a couple of the more cynical scams) and, for that matter, you'll also avoid a series of other traps for the unwary who have filed and received their discharge. She addresses bread and butter issues, and doesn't assume that her readers, most of whom have filed a Chapter 7 bankruptcy, know anything at all about cleaning up their credit (which she describes in great detail, starting with how to get credit reports), her personal philosophy of reaffirmations (which is similar to my own), debts that didn't get discharged, secured credit cards, renting a place to live after filing a bankruptcy, traveling without a credit card, and more. Is it a perfect book? No, but it's very good. In particular, it takes topics that could easily frighten and overwhelm a recent Chapter 7 bankruptcy debtor, and slices and dices them until they're not overwhelming, or even difficult. And she devotes a few pages to pop psychology designed to make people feel better about their situation and themselves, which can't do any harm, and might well do some good. After you read this book, reading more detailed discussions of the subtopics would probably be a good idea. But just reading this provides a nice overview for a consumer debtor, and even though this book won't turn a debtor into an av rated, avvo 10 board certified bankruptcy lawyer, it will probably make them much more comfortable that they can negotiate the shoals of the credit ocean much more easily than if they didn't read it. One tiny, picky item that drove me crazy was that she frequently used the phrase, "after your bankruptcy is discharged", and similar phrases. She's a really smart woman, but the phrase is "after you receive your discharge". A discharge is an order of the court, a permanent injunction that tells most creditors to freeze in place and take no further action, ever, to collect their debts. That, however, is a tiny quibble. It's a very nice book, and debtors would be well advised to read it as a starting point to getting their credit back on track. I practice Bankruptcy Law in Phoenix, Arizona, and I'm going to suggest to my clients that they read it to lower t

Bounce Back From Bankruptcy - a first step

Our clients, who were emerging from bankruptcy, found this text helpful as a first step after enduring serious financial difficulty. Scott Arnopol, Esquire Washington, DC

this is the only book u need after bankruptcy

I filed bankruptcy a couple of years ago and by following the steps in this easy to understand, straight forward book, I now have $70,000.00 saved, an unsecured credit card, a fica score in the 700's and last week was aproved for a mortgage at 61/2%!!! this is all the information you will need for any issue you can think of after a bankruptcy. Not only does it show you how to repair your credit, it shows you how not to get in the same situation again. I also had a question and the author e-mailed me back within a couple of days! Increadibly helpful.

90% Excellent

Except for the bit about buying broken down cars, I found the information to be useful, practical, and helpful. I recently filed Chapter 7 and was able to use this book to create an action plan for recovery. The section on how to rent a car was terrific -- hard to find elsewhere -- and saved me from being stuck in Connecticut. I purchased three books on recovering from bankruptcy. This one is the best. Be sure to follow Ryan's advice and purchase her book in paperback.

Informative -- and therapeutic

The book more than lives up to its title: Paula Langguth Ryan succeeds in giving sound advice for restoring your credit after bankruptcy -- and winning back your life. Just as important as the useful tips for managing your finances are Ms. Ryan's tips for restoring a sense of calm and serenity to your daily life. This book should be required reading not just for persons who fall into financial desperation; it should be required reading for anyone who is about to apply for credit for the first time. That way, they'll be armed with the defenses we all need against preditor creditors.
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