Inspirational Quotes, Motivational Sayings, and Wise Words for Daily Inspiration

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You need a clear, legitimate excuse for why you're behind [the bankruptcy], such as a layoff, divorce, or medical emergency. Be prepared to back up the circumstances with supporting documents. Anything you have to substantiate your story - including proof that you have, for instance, been actively looking for a new job - will help.

Jean Chatzky's Popular Quotes

Turn down offers for new cards or credit line increases on your current cards. Credit's tight, and chances are, you're not getting many offers anyway…

- Jean Chatzky

Unless you have multiple accounts that you need to negotiate and you think the project is just too big to tackle on your own, you're better off just …

- Jean Chatzky

If you're filing bankruptcy, you will likely want to hire an attorney. But for debt settlement, a company is sufficient, or as I said, you can often …

- Jean Chatzky

Take the cards out of your wallet. A debit card is accepted just about everywhere that credit cards are, and you'll be spending money you have - alwa…

- Jean Chatzky

By definition, saving - for anything - requires us to not get things now so that we can get bigger ones later.

- Jean Chatzky

A little personality goes a long way.

- Jean Chatzky

If you default on an unsecured debt, you won't lose anything (except points on your credit score).

- Jean Chatzky

One thing I want to make clear: You never want to hide from your debts. It doesn't work.

- Jean Chatzky

Don't let the fact that you're spending time getting organized result in late fees on your credit card bills.

- Jean Chatzky