One Man?s Brush With BankruptcyHaving gone through a bankruptcy 7 years ago, I'm still feeling the shockwaves of that fateful event in the form of higher interests rates when I apply for loans, and living with the whole stigma that bankruptcy places on you.
It was 1990. I was a freshman in college. Walking through campus, I'd be bombarded with credit card offers on a daily basis. One day I though, "why not?" I got my first credit card.
$500 to do what I want, who can beat that? The problem was, that it was so easy to apply for credit cards I ended up applying for all of them, or so it seemed. Actually, I had at least 5, and soon enough, they were all maxed out.
And then I bought a car, which only added to my mounting debt.
Fast-forward 7 years. I had amassed a serious ...Read full article.
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