Many people see filing bankruptcy as a dead end. They imagine their credit score stuck in the basement, their hopes of buying a house destroyed, and their financial reputation ruined. In fact, bankruptcy can be a stepping stone — the beginning of a journey toward a respectable credit score, renewed access to credit, and a bright financial future. The outcome rests on the steps you take after the bankruptcy process is completed. Carmen has helped tens of thousands of clients file and complete the bankruptcy process, and he has been inspired by watching them rebuild and move forward afterward. In his new book, “From the Ground Up,” he explains all the tools you will need to turn bankruptcy into a fresh start, and he explains clearly, step by step, how to use them. From the Ground Up REBUILD YOUR FINANCIAL FUTURE AFTER BANKRUPTCY
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• A Home Safe: Use a fire-resistant, water-resistant safe and label a folder “Estate Plan + Legacy Letter.” Keep inside a copy of your will, powers of attorney, health care directives, and the letter. • Safety Deposit Box: Works for originals, but access can be limited outside banking hours. Do not lock away the only copy of documents people may need quickly. • Digital Backup: Save a PDF in your password manager or cloud drive, and tell your fiduciary how to access it. Avoid hiding it in an email draft no one knows about. Make it a tradition to update your letter each October. Add a paragraph about something you learned that year, or a story that deserves retelling. If you prefer speaking over writing, record a fresh two-minute audio note and save it next to last year’s version. The point of a Legacy Love Letter is rhythm and heart, not perfection. If you are one of those people who says, “I don’t know where to start or what to say,” don’t worry. No one is going to judge your work.
In this book, you will learn:
• How to dispute and correct inevitable errors on your credit report. • How to use secured credit cards and credit builder loans to build a positive credit history. • When to apply for a car loan. • The best path to home ownership. • How to set up and stick to a budget. • How to build a long-term financial plan. Carmen recounts real-life examples of consumers who emerged successfully from bankruptcy by using the tools he describes. He also offers entertaining examples from the economy at large. Did you know, for example, that Walt Disney’s first animation studio had to file for bankruptcy? Talk about a rebound!
Remember, by the time they read this, you will not be around!
–Carmen Dellutri
What’s the Good News? “I can do all things through Christ A referral is the greatest gift we can receive from a client or fellow business! Last month we had ... • 32 referrals from friends, family, or previous clients • 8 returning clients for new matters • 10 referrals from other attorneys • 12 referrals from doctors and other professionals • We also send out referrals to our trusted referral partners! A Huge Thank-You to Our Referral Partners!
Throughout this guide, you won’t find one word of judgment. What you will find is encouragement to pick yourself up, move forward with confidence, and celebrate your successes at every new financial milestone. You’ve already made it through the toughest part! The best lies ahead. Contact us today for a free copy, or pass one along to a friend in need. We will be glad to support you on your step-by-step journey toward a brighter financial future.
who strengthens me.” PHILIPPIANS 4:13
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