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  • 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.
    --Donna
  • 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.
    --David
  • 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.
    --Anonymous
  • 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.
    --Anonymous
  • 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.
    --Joanna
  • 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.
    --Danielle

Life After Bankruptcy

Life After BankruptcyBankruptcy provides debtors a fresh start. Though this opportunity to start afresh is meaningless if you don’t change your financial behavior. Your life after bankruptcy should be characterized by stopping certain bad habits and starting good ones.

Life After Bankruptcy

Stop

If you don’t want to file again, here are some things you need to stop doing.

  • Taking out credit cards – Cut up all new credit card offers you get. These companies are hoping you will make the same financial mistake twice.
  • Confusing wants with needs – almost no one files bankruptcy because they were spending too much on groceries or utilities. People normally go broke because they have confused what they want (such as a new car) with what they need (such as food and shelter).
  • Eating out – Yes. Eating is a “need.” But eating out is a “want.” Slap some peanut butter on bread and take it to work. And yes, buying $5.00 coffee counts as eating out.

Start

Stopping bad habits isn’t enough for financial success. You’re going to have to start making good habits.

  • Cut up your credit cards – Don’t just cut up the cards you get in the mail, dice up all your current credit cards.
  • Do a budget – Take an honest look at your income and your expenses. Plan every penny you will spend. You might be surprised to find out where your money is going.
  • Use cash – Paying with cash is painful. You’ll soon find that you spend less when you pay with cash.
  • Save – “Rainy days” are going to happen. Make saving 10% of your gross income a goal. Try to save 4 to 6 months worth of expenses. Saving will also break the habit of living off 100% of your paycheck, which will provide more cushion between you and life.

These points are just the tip of the iceberg when it comes to wise money management. I lay out a complete guide for financial success in my upcoming book Life After Bankruptcy. Give our office a Modesto bankruptcy office call if you are interested in purchasing a copy.

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