How do you get a credit or debit card after bankruptcy?
150217
A debit card usually isn't a problem, this has to do with banks and they have their own system for checking good standing in the banking system. As long as you don't have a slew of bounced checks somewhere you should be allright. A credit card is harder. Lots of time you just have to wait a little while.Here's a good idea, some jewelry stores will offer credit to anyone. I did this and received three credit cards within a matter of weeks. I didn't have a bankruptcy,though, but I had really awful credit and I tried for three years to get a credit card.
712537
Okay, I'd say bankruptcy is in order.\nTrust me, I know what I'm talking about from unfortunate experience!!\nI was in a position where I was consuming more than I was providing...happened over a course of a year, while hours at work slowly disappeared and my lifestyle stayed the same...\nI was young enough, that although it's a black mark on my record for years, it's not the end all for me.  \nYou will not owe if you go bankrupt.  You will pay fees for nine months or so, then will have nothing more to pay.  But your credit will be bad, and so you'll have to depend on a steady job and a consistent cash flow for 7-9 years (or perhaps even longer).  I'd see a bankruptcy lawyer if I were you ( I found mine in the yellow pages), and get this started.  There's no point in waiting any further.  \nGet it over with, and if you aren't so young, there are still places willing to give anyone a loan.  "Bad Credit, No Credit, NO PROBLEM!!" They will have hefty interest though, so pay the bills on time!!\nAnyway, good luck....
265264
There are a few approaches you can take:\n1) File for Bankruptcy - The Court will determine how much you have to pay back and work out a schedule. Where I live it is usually about 20% of the total amount. You don't need a lawyer just go to the Bankruptcy office, fill out a form, and pay a filing fee. Their office will take it from there. The bad news is that even if you pay it back it maybe years before you can get another loan.\n\n2) Go to an accredited Credit counselor who will work out a greatly reduced payment schedule for you for a small fee.\n\n3) Contact you state or county BAR association for a recommendation of a lawyer for you who will work pro bono (for free) or at a reduced rate.\n\nGood luck.
441566
Ya, just call a credit card company. They'll give you credit as long as you're not currently in bankruptcy. You may have a high interest rate and/or a low limit, but it's credit.\n\nhttp://www.creditcards.com/
499595
I filed 6/05 and discharged 9/05, I have some problems getting credit.  But Right after I filed I applied for a Rewards 660 Visa Card and was instantly approved.  This card specialized in people who have filed bankruptcy.  I also have an Orchard Bank M/C, Target Guest Card, and a Hooters M/C with a limit of $1k.  I have been cleaning my credit up now since my bankruptcy has been discharged and I recently was approved for Capital One Auto Finance Blank Check Loan.  I just got my new car on Sunday. I think I'm ok now with the credit accounts I have now, so I'm just building up my credit and making all my payments ON TIME!!! That's the key!  Good luck...Believe me filing Bankruptcy IS NOT the end of the world, you can have good credit again.
651008
You can have a thousand bankruptcy's on your record and still qualify for a loan.  Finding someone to loan it to you is the trick.\n\nIt depends on how many, and how much.  You can probably get a loan but the interest rate will be a little high.
373652
There are five counties in NYC, Kings (Brooklyn), New York (Manhattan), Queens, the Bronx, and Richmond (Staten Island). If you can go to the Bankruptcy Courts they have a free computer you can search by name or Social Security number, but just for that county. If you can wait, you can get a Pacer number (apply online) that lets you look up bankruptcy and other court records. They mail you your account number, and you don't have to pay unless you use it a lot. Search for "Pacer" and "courts records" to get the application.
362197
I"m so sorry for your loss.\n\nDid you go to a bankrutcy lawyer?  I would check with them.  If some of the debt included in the bk was soley his, you might not be responsibe.  If it hasn't gone through completely, you might be able to file hardships with creditors who will suspend rates or payments for a little while.  Also, the bankruptcy courts might be able to recalculate payments because of your lack of income.\n\nBasically, I would see a professional.  Maybe you can find a relative to help you with finding someone that will do it cheap/free.
474906
As long as you are not in default on any existing federal student loans, you can obtain new Federal Student loans (Stafford, Perkins, etc.), which don't require a credit check.  You will, however, have a very hard time finding private loans after having filed for bankruptcy and any company that will lend you money will probably do so at a very high interest rate.  I would be very cautious about using the link that the above poster supplied, too (notice how they ask for your SSN before they will send you an informational packet?!).  Apply only with legitimate companies (talk to your school's financial aid office if you aren't sure what's what).\n\nWhether or not a student loan can be discharged has no bearing on your particular situation (so I'm not sure why th first poster mentioned it).  To "discharge" a loan is similar to having that loan "forgiven" or "cancelled" -- it means that the lender is telling you that you don't have to repay it anymore.  This is NOT the case when a borrower files for bankruptcy -- a Stafford loan can't be discharged in a bankruptcy situation.  Even if you're destitute and you file for bankruptcy, you still have to repay this loan.  {Perkins loans actually can be discharged in a beankruptcy situation -- but, again, this has no bearing on your ability to obtain one now...}
189505
Go to several dealers and interview the finance people and tell them your situation. A car dealer wants to sell you the car so they will work hard to get you financed. \n\nIt would be helpful to you that all your accounts that were discharged in Bankruptcy report on your credit files as "Account included in Bankruptcy". IF you haven't done so then get copies of your 3 credit reports at www.annualcreditreport.com. It's free by law once a year. Review your files for accuracy and dispute any item you believe to be negative. Each investigation will take approx 30 days.\n\nWhen you are ready to buy make sure you do all your rate shopping within a 14 day period so that all the inquiries will only count as one.\n\nGood Luck
640634
Depends on the bankruptcy.  When my sister filed, her attorney left out her Sears card, only because she didn't want to have to reopen it later on.  Also, you can apply for a card after the bankruptcy is filed.  Your best option would be to wait about 1 year, then apply.  If you apply sooner, the credit card companies will deny your application.  The best cards are the prepaid ones. You put money on them & use them like a real Visa or MasterCard.  I have a pre-paid MasterCard that I keep a certain amount on for emergencies.  Yes, I get charged $1 for using it.  It's worth it in the long run.  The source below is a great pre-paid card for repairing your credit too.  You can buy the pre-paid card for $10 at Rite Aid drugstores.  Also, Ace Check cashing locations have a pre-paid Visa & Mastercard. That's the one I started out with.  I have the greendot one now & use it monthly.  At the end of one year, they'll send a report to the credit bureaus that I've been using their card & paying my bill on time.  It helps repair your bad credit.
935661
You call your bankruptcy attorney and ask them.
400076
Yes, I just did.  I did a chapter 13 a month ago.  I had to do a one hour telephone interview with a bankruptcy approved consumer credit counselling service (my attorney gave me the phone number), and they gave me a certificate that said I was approved to file a bankruptcy, which they sent to my attorney.  All of my unsecured debt was released, and I'm on a 5 year payment plan with the bankruptcy trustee to pay off my cars, and some income taxes.  Almost $10000 of credit card AND payday loan debt was washed away!  Saved my life!  Good luck!  (BTW...Torkhum, one of your answerers, doesn't know what he's talking about...the new laws only effect about 2% of the population when everything is said and done, once you get bankruptcy approved interview with the CCC service your attorney recommends to you)
163927
If you use your credit cards after bankruptcy, be prepared to pay everything you charge on them.  \n\nYou should cut up your credit cards.  That's what got you into bankruptcy in the first place.
985459
First, before filing Chapter 7, ask you attorney to work with your creditors to see if they can reduce the debt owed by paying a certain percent of the debt owed (i.e. $.25 on the dollar) with a monthly payment plan in place.  If it is in your budget to do so, this is your best avenue.\n\nIf this is not an option and you do have to file, it will take a little while to rebuild your credit.  BE PATIENT.  You will not be able to buy a house or car (without paying outrageous interest rates or exorbitant fees) right out of the gate and will more than likely end up in the same position once again.\n\nYou will be bombarded by credit card companies to "help re-establish your credit".  It would not hurt to get ONE credit card with a very low line of credit ($500).  Use this only in case of emergencies and pay off as quickly as possible.  \n\nMost important is to be patient and not get yourself into the same boat again.  Within a few years (3 or so), you should be able to pursue home ownership or car purchases.
440369
If you have a bank account, your bank (or credit union) may be able to use your business history with them to qualify you for your first card.\n\nOnce you have one, the rest are easy to get, as long as you don't run up huge balances or pay late.  In fact, if you have a major credit card, you can often get a department store card very quickly, and use it to help establish a credit rating, even if you don't use the card.
997484
If you want a correct answer... ask a local bankruptcy attorney!\n\nI would suggest you read the article "New Bankruptcy Law – Where’s The Consumer Protection?" you can view it at:\nhttp://www.sandiegolawyerforyou.com/san-diego-bankruptcy-law-update.htm\n\n\nhttp://www.las-vegas-nevada-lawyer-attorney-legal-injury-defense-directory.com/las-vegas-bankruptcy-lawyers.htm\nhttp://www.san-francisco-oakland-bay-area-lawyers-attorneys-directory.com\nhttp://www.san-jose-ca-lawyers-attorneys-directory.com\nhttp://www.sacramento-ca-lawyers-attorneys-directory.com\nhttp://www.la-orange-county-lawyers-attorney-directory.com\nhttp://legal-advice-library.info/blog\nhttp://www.austin-texas-lawyers-attorneys-directory.com/austin-legal-services.htm\nhttp://www.san-antonio-texas-lawyers-attorneys-directory.com\nhttp://www.san-diego-lawyer-attorney-personal-injury-dui-car-immigration.info