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Although declaring bankruptcy is sometimes the best option for individuals in difficult financial situations, it does adversely affect credit history. Fortunately, you can start rebuilding your credit immediately after your bankruptcy. Always pay your bills on time and in full. Your credit score is partially comprised of your payment history. You can also apply for a secured credit card, which involves paying a security deposit to the issuer. Make sure you only charge amounts that you can pay off each month.

For more information on bankruptcy and its effect on your credit history, watch this video. This financial advisor discusses some common reasons for filing for bankruptcy and explores secured credit cards.

The law offices of Cutler & Associates, Ltd. can help you resolve your financial problems and stop wage garnishments.