Welcome to AfterBankruptcyOnline.com!  We are here to provide a message of inspiration along with some helpful tips and instructions for those dealing with post-bankruptcy issues.

Get in the blocks

You have to start the race before you can finish it.  Get in the blocks, set a pace you can stick with, and perseverance will get you there!

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Looking for your credit score?

Don’t assume a post-bankruptcy credit score is lost forever to the depths of the abyss.  There are things you can do that just might bring it back.

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Jumping without a net?

Bankruptcy was a huge leap, and there’s no going back.

So make the most of going forward.

Life after bankruptcy

From the blog…

Ugh. The D word.

My 80 something year old granddaddy was bald except for a fringe of black hair along the sides and back of his head. He had twinkling, green eyes that lightened as he aged. They always made him look like he was up to some kind of mischief. He smiled and teased his grandkids a lot. He married my grandmother when they were in their early 20s, which was considered old for people born in 1899. My grandmother passed away 12 years before he died at age 91. We never left a visit without him crying and saying how lonely he was without her. I never saw that man shed a tear when she was alive. Ugh, it just spun my heart every which way but free. He had broad shoulders, a stout frame and toughened hands from working the farm for over 45 years. He loved simple things: my grandmother, the earth, his children and grandchildren, animals, his pipe, homemade peach ice cream, pecan pie, colorful parakeets he raised after retiring from the farm, and his shop off the detached garage where he “tinkered” with broken things or created anew. He whistled his own little tune. We heard it most often in the mornings or when he was busy in his workshop, which was filled with a cherry wood chifferobe, wood shavings, a vise bolted to his workbench and the smell of metal and grease. One summer night when fireflies sparkled and homemade ice cream seemed to churn for hours to an nine year old, I overhead him say, “We’ve been married over 50 years. We have three children...

Type 2 Diabetes

I got the diagnosis, type 2 diabetes, and I’m not happy about it. Okay, okay, type 2 diabetes is so common these days… it was bound to happen to one of us in my group. Maybe more than one. But why did it have to be me? Anyway, you are gonna see more of these posts about the type 2 thing. There will be some information posts, some news on diabetes research, home remedy and alternate care ideas, and an occasional rant. I’d like to rant right now, but I don’t have the energy. Who knows, it might be my blood sugar… that’s not even funny, is it? Oh well, the way I feel about that today is, “tough shiP.” If you have not been diagnosed and you start to notice any of these symptoms become a consistent part of your life…. Tingling or stinging in your feet Urinating often Slow healing cuts, bruises, and other wounds Losing weight without trying Blurry eyesight In my case, the symptoms started with the feet. I’d heard this could be a symptom of type 2. It came and went, but the stinging was present on a fairly consistent basis. I told my physician’s assistant, and he ordered a blood test. When the lab results came back, the number reported for the “A1C” was far north of the acceptable boundary. What is diabetes? The word comes from Greek words that mean to pass through or siphon. When you have diabetes your blood glucose, or blood sugar, levels are too high. In cases of diabetes mellitus the urine and blood are sweet because the body is unable to absorb and...

D-I-V-O-R-C-E

Even typing the word “divorce” feels so final.  It feels final because divorce is final. Divorce is defined by the dissolution of a marriage. Whether it’s because of irreconcilable differences, adultery, or growing in different directions, your marriage is finished. And divorce makes it binding. Divorce is a big decision. Sometimes you are the one to call it. But others hear their spouse say, “I want a divorce” and may feel they had no decision in the matter whatsoever. Either way, you do have decisions to make. Legal aspect No matter who or what has caused the division, if you’re considering or discussing divorce or hoping beyond hope for reconciliation, seek the advice of a trustworthy attorney, preferably one who practices family law. Make an appointment. Approach it as a research project if necessary but at least take the action to get legal guidance. Meeting with a lawyer doesn’t mean you have to file for divorce.  You and your spouse may be able to reunite.  But a legal expert helps you discover your options in case things don’t work out. It’s not necessary to make a decision today. But in case the day arrives where you do, you’ll be able to make some informed determinations. You and your spouse may be able to negotiate the terms yourself, draft and sign the papers and appear before the judge in an amicable way. But often this is not the case. Divorce means to dismantle the business portion of marriage. But too often, one or both parties are filled with volatile emotions that prevent them from brokering the deal. This is why...

You’ve got to fight for the right to complain and be heard

 Those who post negative reviews on line have come under increasing scrutiny, and in some cases they are getting “net punished” by big review and social sites. Negative reviews on Yelp and TripAdvisor can be risky. Some businesses have “gag clauses” in the fine print of their service agreements. These clauses are intended to shut you up. Some internet firms have threatened legal action against complaining customers or imposed financial penalties on them. The legislatures in two states, California and Maryland, have enacted laws that prohibit anti-disparagement clauses in consumer contracts. Other states are in the process of passing similar legislation. The California law bars companies from using non-disparagement clauses unless consumers knowingly and voluntarily waive their right to complain. Violators can be punished by a civil penalty of $2,500 for the first violation, $5,000 for each subsequent one, and an additional $10,000 for “willful, intentional, or reckless” violation of the law. Maryland state delegate, Jeffrey Waldstreicher, sponsored the bill that was passed there. He asserts it is a consumer rights issue. If consumers are discouraged from writing critical reviews and making legitimate complaints on line, the result “starts to chip away at our whole system of e-commerce.” Waldstreicher said he was especially outraged when he learned that a wedding venue had forced brides and grooms to sign a clause in their agreements that exposed them to legal damages if they or any of their guests wrote negative reviews. The Maryland law, signed by Republican Gov. Larry Hogan in April of this year, considers gag clauses an unfair and deceptive trade practice under the state’s consumer protection law. Merchants who violate the law are subject to civil and...

Yes, there is life after bankruptcy!

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