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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

Already Filed Bankruptcy And Received A Discharge? Now What?

Congratulations on your fresh start! Taking control of your debt situation can be the most rewarding and freeing feeling. Some of our clients are left wondering “What now?” after they file and receive their bankruptcy discharge. This is a normal feeling, as you no longer will have the weight of all that debt and the burden it brings down on you. Here are some tips on how to ensure your financial success moving forward.

Credit Score 

While it may be tempting to dive back in with some new credit cards (you will be receiving quite a few offers), make sure you stop and remember that feeling of when you were overcome by all the debt before the bankruptcy. Credit cards can be a slippery slope that can derail your finances fast. If you are worried about your credit score and would like to raise it, the best bet would be to obtain a secured credit card. These are where you put a deposit of a certain amount, then the bank offers you a “credit card” with a limit up to that amount. It is much easier to obtain a secured credit card, as there is not a lot of risk for the creditor or bank. Use this card for normal expenses, that you then pay off each month, leaving about a 10% balance. Your credit score will start rising in no time!

Car Loans

It is always the best bet to avoid obtaining a car loan compared to purchasing a used vehicle outright in your budget. Many people get stuck in terrible car loans that have a huge interest rate that leaves them paying the creditor much more than the car is worth. Not to mention, new cars depreciate in value almost immediately once driven off the lot. If you get yourself on a healthy budget and save up, you can purchase a used, reliable vehicle outright and avoid astronomical interest rates!

Savings and Rainy Days

Many of our clients have never had the opportunity to create an actual savings account for those rainy days when it might be needed the most. It is important to have savings built up that could cover a large necessary expense or 2-3 months’ worth of bills like rent, utilities, etc. You never know what can happen in life, such as losing a source of income, covering a massive mechanic bill for your car, or any other surprise expenses. It is important to create a monthly budget that allows for you to set aside money to put into a savings account or some other accessible account that you don’t spend from. This will allow you to never have to worry about the scare of large, unexpected expenses again!

If you would like more tips on ways you can ensure financial success and freedom moving forward after a bankruptcy, be sure to reach out to your local Stockton Bankruptcy Attorney at 209-952-0355 to obtain a copy of Seth’s book “Life After Bankruptcy” today!

 

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