4 Rebounding Tips After Bankruptcy - #3
Experts on bankruptcy insist that attitude and persistence can make a difference on your life after filing for a Chapter 7 or Chapter 13. “The consumer who’s going to recover faster is the consumer who jumps back in,” says Ulzheimer. “Financial capacity is one thing,” says Tahira K. Hira, a professor at Iowa State University who specializes in consumer economics and family finance. “Mental or attitudinal capacity is the other thing.” So being positive can make a whole world of difference. “…If you build a savings account, carry no debts and have an emergency fund, you’re saying, ‘Look, I can control my behavior,” Hira adds. “It depends on how good a salesperson you are and how good your behavior has been.” And, of course, by behavior, she means your financial behavior or how you carry yourself around expenses and financial obligations. “Pay your bills on time” is the name of the game. It is also incidentally the easiest way to show to your lenders that you have learned from your past financial mistake and are making every effort never to fall into that trap again. In short, you’ve got to be a model citizen in terms of financial management. Can you handle it? Of course, you can! And the only rule to follow is this: Shop for lenders. “There will be a price attached,” warns Hira, “which is higher interest.” This gives you all the more reason to be discriminating when choosing lenders. Don’t just jump at the first credit opportunity thrown your way only to find that the interests are punishing. Don’t get hard-balled into paying for high interest rates when you can get virtually the same loan for lower interest. Compare lenders. You are the consumer and you still have the advantage of choice. |
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