Congratulations on taking your first step in establishing credit after bankruptcy. Building credit after bankruptcy depends more on your immediate actions and future credit habits than on past credit mistakes, mismanagement, defaulted accounts or negative reports. Don't beat yourself up for filing bankruptcy, what is done is done. View bankruptcy as your financial fresh start and focus on building a strong, healthy credit future. No matter what you have been told or believe; you can have strong credit after bankruptcy. Unlike so many other books written on credit repair, this book was not written by a salesman who went through bankruptcy. This book was written by a licensed Bankruptcy attorney who has studied federal bankruptcy law and who has helped hundreds of families navigate the bankruptcy waters and build credit after bankruptcy. I have seen the pre bankruptcy credit collapse and I have seen the post bankruptcy credit rebirth. I've done this before, and I can correctly show you how to build your credit. I understand that this isn't a game. It is important to know exactly what to do and what not to do to build credit after bankruptcy. It does not matter in what condition your credit is in, this book can help improve credit. However, this book was written with an eye for those who have filed bankruptcy and received a full discharge. This book reveals the secret rules to play the credit building game and it also teaches how to get in the best position possible to build credit after bankruptcy. There is no need to be scared or hesitant about building credit after bankruptcy, as long as you know and follow the simple principles revealed in this book. In other words, this book was written for real people, with real questions and with a real desire to build credit after bankruptcy. Deciding to file bankruptcy may have been a difficult decision but building credit after bankruptcy does not need to be. I warn you not to fall for the salesman who is selling the impossibly quick 'credit fix' dream. You can and will have credit after bankruptcy, but there are different degrees of "having" credit. The credit that is needed to buy a home and a car with a lower interest rate can not be created over night. These salesman are trying to take advantage of your wish for strong credit today. However, you can correctly build your credit one month at a time, and this book shows you how. The key is knowing what to do and being able to put yourself in the best credit building position--while taking it one step at a time and building credit one month at a time. What does "Credit After Bankruptcy" mean? Authors vary on defining what it means to have credit after bankruptcy. For example, some may consider getting a credit card after bankruptcy as helping you get credit after bankruptcy. Getting a credit card after bankruptcy is easy to do, but it isn't enough. A credit card is only one small step toward truly having credit after bankruptcy. This book teaches how credit works and about what types of credit are needed to build credit quickly. Here you will learn the simple steps to acquire a high credit score and qualify for low interest rate loans. This book encompasses ALL aspects of getting credit after bankruptcy.
About the Author: Attorney A. Christopher Nogales is the principal attorney for Nogales & Associates, LLC. His law firm specializes in Bankruptcy Law. Christopher has been living and practicing law in Georgia since 2001. Christopher is married to Tara Brenning, they have three beautiful children. He is a graduate of Catasauqua High School, Catasauqua, Pennsylvania. After high school, Christopher served a two year Christian mission for The Church of Jesus Christ of Latter Day Saints. After serving his mission, Christopher earned his Bachelors of Arts from Brigham Young University and later received his Juris Doctor degree from the University of Oklahoma, College of Law. Christopher is licensed to practice law in the United States District Court, the State of Georgia, the Supreme Court of the State of Georgia, and the Court of Appeals of the State of Georgia. Christopher is an active member of the Georgia State Bar Association, the Atlanta Bar Association, the Metropolitan Atlanta Consumer Bankruptcy Group and the National Association of Consumer Bankruptcy Attorneys.