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When everything is done, depending on whether you filed for chapter 7 or chapter 13, you are looking for a new start with a clean slate or by beginning a new plan to pay back the amounts you owe.
Either way, you want to do things differently to ensure that you are not put in a similar situation again.
Reorganize Your Bills So many times, late fees and over the limit fees happen because it is difficult to keep due dates and credit limits straight.
If you spoke with a bankruptcy attorney, he or she may have given you some new ideas to try out when it comes to organization.
You just want to be able to look in once place and find out when you need to be paying certain bills and when other bills will be paid off.
Start small and find a calendar.
You don't need to purchase a new one, but you do need to have enough room to write a few things on certain days.
Go through each of your bills and write down the due date on the corresponding day on the calendar.
If you don't have a copy of the current information, make a call to find out.
If you have to, wait until you next statement arrives.
Now, consider moving around some of the due dates to make life more convenient.
This may have been one of the suggestions given by the bankruptcy attorney.
Write down on the same calendar, the days that you get paid.
Try and figure out when you need to write checks or send payments online that have everything arrive on time.
If you have a payment due and it doesn't fit well with you paycheck, you have two options.
One, you can try to get ahead and always make the payment early, guaranteeing that it is never late, or two, call the company and see if you can change the time line for paying the bill.
Consider Automatic Payments Before your case is complete, ask your bankruptcy to help you set up automatic payments.
You can work out something with the actual creditor to have the money deducted from your checking account on a set day of the month, or you can set something up with your bank.
Using this method of bill payment can be helpful and get rid of some of the financial anxiety.
Contact Someone for Help If you haven't filed chapter 13 or 7, but you see yourself headed for trouble, contact a bankruptcy attorney immediately.
You can sit down with someone from the firm and go over the specifics of your case.
They can help you decide what the best course of action is and what you need to do to get started.
Don't wait until things are really bad to contact a bankruptcy attorney.
You want good advice and someone on your side as you work through this situation.
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