Dave Ramsey is one of the leading spokesman for debt management and recovering from financial ruin. He has a radio show and speaks nationwide on the subject.
Attorney John P. Newton was quoted in his booklet
“Most of our clients ask about credit scores before they file bankruptcy. It is very important to them how the bankruptcy will affect their credit score. If a debt has been reaffirmed, check your credit report regularly to make sure payments are being posted accurately. It is not a good idea to incur new debts or to act irresponsibly, Good luck.