There are many emotions experienced by those going through personal bankruptcy. People going through bankruptcy worry about living in debt while trying to survive. They think they are stuck, but they really aren’t, and neither are you, thanks to the following tips.

Don’t file for bankruptcy without knowing your rights. Some debt collectors like to say that you cannot file for bankruptcy on these debts. There are few debts that can’t be discharged. If a collector tells you your debt won’t be discharged in your bankruptcy and you know that it will, report the collector to the attorney general’s office in your state.

Filing for personal bankruptcy is nothing to be ashamed of. Although the process can be stressful, you must be decisive, accurate and candid about your decision. If you are sure that bankruptcy is the right choice for you, instead of viewing it as a failure, look at it as a start towards financial success.

A useful piece of advice is to diligently pay all bills every month, and try to pay more than minimum amounts due whenever possible. It can be tempting to make your payment as small as possible, however, doing so increases your interest costs and can quickly lead to debt.

Many people who file for bankruptcy vow to stop using credit cards. This is not a smart move, since using credit wisely allows you to build a solid credit history. If you don’t ever use credit, your credit history will not improve, and you may not be able to purchase important things like a home and car. Start with having a single credit card to help you go in the proper direction.

This article should have enabled you to feel a little more confident about your personal bankruptcy. Though it is very difficult, personal bankruptcy is not the end. Keep the advice here in mind so that you can work toward getting back on your feet!