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Cora Rebuilds After Bankruptcy


Cora is a client who came to us most recently in October 2012. Here is her story:

I used to feel really confident about managing my finances - I had a very good credit score and I was always very prompt with my payments and keeping track of my finances. However, because of a number of unexpected challenges that I had no control over, my financial life changed. After foreclosure and mounting credit card debt, I ultimately decided bankruptcy was my only option. I worked with a Bankruptcy Counseling Specialist at LSS to understand the process and how to rebuild my life afterwards. Looking back, this was a very rough time in my life - it required time and effort but I appreciate working with people who were helpful and organized.

After my Bankruptcy, I knew deep down that it was time to rebuild and move forward. But, like anything else, that is easier said than done. It took time to get myself together and admit that I needed more help. First, I pinpointed my goals: pay off my car loan, get a part time job and start taking college classes. I could see my financial future and I knew that I could do it but I needed a little help. I found a brochure for LSS at my local college and I felt like they could help me. My financial Counselor, Cherrish Holland, helped me understand that I was doing the right things and even taking the steps in the right direction. I just needed to follow through more and commit to the changes. I felt like such a failure when I went to the appointment and when I left I felt like a weight had been lifted off of me. I had direction again! Cherrish gave me ideas and a plan that I could work with. I now have a spreadsheet where I keep track of all of my finances. It took hours to lay it out for 2013 but I love it! And I also keep actual files of my expenses. Twice a year I go through all of the papers to make sure everything is up to date. I love the structure this provides me and I am not worried about surprises.

It has been 3 years since I filed Bankruptcy and I am proud to say that I am a mom to an amazing 8 year old daughter, working part time and attending college for Social Work. I would love to eventually become a teacher! I knew what I wanted to do and I just needed a bit of help to get there. LSS helped me take those much needed steps. 

At LSS we provide the Bankruptcy services that are required for those who file personal bankruptcy. We will help you explore the consequences of Bankruptcy, evaluate its alternatives, and get started on a path to a better financial future. Call us at 888.577.2227.