A Case for Targeted Direct Mailing Campaigns

Once your bankruptcy has been granted by the court you can forget all the creditors that constantly hounded you for months on end. All your debts will be discharged by the court and you will be debt free. More than likely you will have been working with a financial counselor and bankruptcy attorney during the entire process. Your bankruptcy will be published and will be part of the public records. Anyone including marketing agencies will have access to your information.

In most cases you will begin to get consumer credit offers in the mail. You may ask why you are getting all the junk mail. Basically it comes from marketers that developed a bankruptcy mailing list. This list is in turn sold to consumer marketing firms. These firms will be sending you offers for just about anything. Probably the largest number of mailings you will receive will contain bankruptcy credit card info. Soon you may even begin to receive phone calls that will pitch consumer credit offers. Many people find that they are getting harassed by all these offers and wonder how they can get off the mailing list.

Unfortunately that is really not possible. The best advice is to simply throw all the credit card junk mail away. Most of these offers contain scams and predatory lending schemes that will soon get you into financial trouble again. The financial counselor that you used during the bankruptcy will help you develop a budget process that requires you not to borrow money. Credit cards will not be allowed. This is a once in a lifetime chance to live debt free for the rest of your life. Being on the bankruptcy mailing list and receiving daily credit card offers will provide plenty of temptation.

The only way for you to stay debt free is to change your spending behavior. The best way to do this is to live on a cash only basis for the first year after bankruptcy. Despite all the junk and hype that you receive as a result of being on the bankruptcy mailing list you do not need a credit card to build up your credit score. Many millionaires have credit scores of 0, that's right Zero. The FICO or credit score is a scam that enslaves people to stay in debt. Just don't do it. Set up and follow a good cash only budget if you don't you will soon be getting calls from online debt collection agency's and credtors again.

More than likely you will remain on the bankruptcy mailing list for about two years. Most of the bankruptcy credit card info mail will arrive in the first year after bankruptcy. Stay disciplined and stays on budget and you will stay debt free. Do not buy anything on credit. You must start saving and investing your money during the first two years after bankruptcy and pay cash for everything. Buy good used cars with cash. Rent a home until you can afford to pay cash for one. Eventually you will become wealthy using these basic principles and never end up filing for bankruptcy again.

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