While bankruptcy can help you restore your financial health, life after bankruptcy may pose some uncertainties. For example, some filers are concerned about getting a cell phone after bankruptcy.
While cellular companies may charge extra fees or offer lower plans for recent bankruptcy filers, there may still be quality cell phone options. In addition, by making regular payments, you may be able to improve your credit score and prove your financial responsibility.
If you're considering filing bankruptcy, you may have questions about what to expect during the process and after your bankruptcy is over. By filling out the form below, you can arrange a free, no-obligation consultation with a local bankruptcy lawyer who can help answer other bankruptcy questions.
Most cell phone providers will look at a person's credit report when determining his or her ability to secure a cell phone plan. Immediately after bankruptcy, though, you may be limited to a few options. These include:
Thus, immediately after bankruptcy, there may be some inconvenience in securing a cell phone plan. Nevertheless, there will likely be options. A prepaid phone plan may be mildly inconvenient, but it can also help keep finances in order.
In addition, making a large deposit upfront can help serve as an incentive to ration minutes, in order to stretch that money as far as possible. Plus, after you make regular payments on your new cell phone, you will gain the trust of your cell phone provider. This may lead to a more beneficial cell phone plan down the road.
While you may have to settle for a compromised plan, there are several benefits of obtaining a cell phone after filing bankruptcy, particularly if you do not have, or cannot afford, a traditional land line. These include:
By making regular cell phone payments and improving your credit score, you'll eventually improve your odds of landing bigger loans, such as car loans or home mortgages.
To learn more about other concerns regarding post-bankruptcy life, connect with a local bankruptcy lawyer today.
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