• Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.

Avoid New Credit Cards

An excerpt from Life After Bankruptcy by Seth Hanson

The risks of getting back into debt after bankruptcy are very real. You will likely be bombarded by credit card solicitations. Please put them where they belong – the trash. I can’t think of a compelling reason to get a bunch of credit cards and flirt with the danger of getting back into unmanageable debt.

Some of my clients say they need a credit card to get a hotel or to get a rental car. However, most hotels and rental companies will accept a debit card as long as the card can be used in a credit card machine (in that situation the transaction should still come directly out of your bank account). If the hotel or rental car company absolutely requires you to use a credit card, just get a prepaid credit card.

There is also much to be said in favor of using CASH. Why? When you pull cash out of your pocket, or wallet, or purse, it is real. You can see it, feel it, and smell it. When you lay down that $20 bill to pay for your groceries or prescriptions, it is real to you.

Studies have shown consistently that when you use cash, versus a credit or debit card, it is a much different psychological experience. For that, and perhaps other reasons, people using cards spend on average between 12-18 percent more than people who use cash. A study by the Journal of Consumer Research indicates that people routinely spend less when they use cash. So, there’s an argument – supported by empirical data – that using cash can help you save even more than using a debit card.

Going back to the previous chapter, if you can afford something, you can afford to pay for it using cash. If the only way you can “afford” something is by using a credit card, you can’t really afford it.

For more information contact your Yuba City bankruptcy attorney.

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