Workshop Nine
Module 9: Bankruptcy Recovery Path
Life After Chapter 7 or 13
Bankruptcy is a major event—but it’s also a legal reset. After a Chapter 7 or 13, your focus shifts to rebuilding trust with lenders and proving you can manage credit wisely.
That starts with staying current on any remaining obligations, such as reaffirmed debts or your Chapter 13 repayment plan. On-time payments now carry extra weight.
Over time, you can carefully add new accounts—like secured cards or credit-builder loans— to create fresh positive history. You must avoid the old patterns that led to trouble: overspending, no budget, or relying on high-interest products.
Bankruptcy does not define you. With a clear plan and consistent behavior, you can write a stronger financial story in the years that follow.
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