Home » Part 3: After Your Discharge


The Bankruptcy Process– After your Discharge — Step 3

These are the steps you will want to take after you receive your discharge (court papers documenting a successful bankruptcy):  Always consult with your experienced Arizona Bankruptcy Law Attorney even after your bankruptcy is concluded.  After all, your attorney encouraged you and offered help in order to get you the “fresh start” that you deserved… now that you have it, what can be done to maximize the benefits of having a clean slate / discharge papers, and what can you do to preserve your financial success?Fotor0327143019

  • Keep a copy of your discharge letter in a safe place.  If this is the only thing you do, you will be thankful that you know exactly where it is.  In the future, you will find that you may be asked for this bankruptcy information about your case, and the discharge letter would be the best documentation to provide.
  • Keep the schedules that you have related to your bankruptcy.  You may want to refer or list a creditor and your schedules are the best source for this information.
  • Invest in a file cabinet.  Use a drawer for financial matters.  Make a file for each expense or creditor, and one for tax returns (one folder per year).  Create another folder to store general receipts of purchases, and another for warranties / manuals.  The other drawer can hold your personal items and files.
  • Do you have any reaffirmed debts?  Pay them on time.
  • Take the necessary steps to rebuild your credit, and do this immediately.  Your attorney will give you suggestions on how to start doing this right away.
  • Be wise with your finances:  make a household budget, be informed about credit, rebuilding credit, and interest rates, pay your bills on time, and save a bit so that you can live your life with a brand new financial beginning!

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  1. Take steps to rebuild your credit.  Don’t make the mistake of saying “I will never use credit again.”  You will want to re-establish good credit to help you the rest of your life.  See our section on building credit.
  2. Live your life, save money for a vacation, have kids—they are a lot of fun.  If you have kids cherish them, they grow up fast.


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