Real simple, NEVER go into debt again.
Even though your credit sucks, there is one big upside to a Chapter 7 Bk. Unless you were dumb and decided to reaffirm one or more, you are are debt free. It’s a wonderful thing!
Now your income doesn’t have to make VISA rich. Now your income doesn’t have to make GMAC rich. Now your income can go completely toward making you rich.
You may have to pay deposits when renting apartments, connecting your utilities, or subscribing to cell phone services; but so what. When you’re debt free, you can afford to pay deposits.
The best investment a person can ever make is to be and stay debt free. After that…..save save save…invest invest invest.
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