Life After Bankruptcy Workshop
"How did I end up in bankruptcy and how do I make certain it doesn't happen again?"

WHO: Workshop is available for the clients of the Bankruptcy Law Firm of Lansing J. Roy, P.A. who are interested in acquiring tools to help them in their economic fresh start.

WHEN: Workshop is broken up into four one-hour sessions held on Tuesday nights beginning at 7:00 p.m. sharp and concluding around 8:15 p.m. Workshops are held in odd numbered months (January, March, May, July, September, November).

WHERE: The workshop is held in our lobby.

HOW: Call our office at 904-391-0030 if you are interested in attending the workshop. We recommend that you start with Session 1 since there will be some carry-over from prior lessons in each session.

COST: FREE. There is no cost to the clients of this law firm.

SESSION 1: WHAT IN THE "HECK" HAPPENED? (First Tuesday)

• AVOIDING COMMON DEBT TRAPS
• DEBT SLAVERY
• WATCH OUT FOR "LOW MONTHLY PAYMENTS"
• HOW MUCH DOES IT COST TO BUY ON CREDIT?
• WHEN TO GRAB YOUR WALLET AND RUN.
• WHAT ABOUT A LEASE?
• ARE DEBT CONSOLIDATION LOANS A GOOD IDEA?
• STOP BEATING YOURSELF UP
• OVERCOMING THE ROAD BLOCKS TO FINANCIAL FREEDOM

SESSION 2: WHAT CAN I DO DIFFERENTLY NOW? (Second Tuesday)

• LIVING ON CASH
• EXPECT THE UNEXPECTED-BE READY FOR UNEXPECTED EXPENSES
• BREAKING CREDIT BONDAGE
• HOW TO LIVE BETTER ON LESS MONEY
• FOOD EXPENSES-MONEY IN ONE END AND OUT THE OTHER
• FINDING THE HOLES WHERE THE MONEY LEAKS OUT
• NEVER FEAR BILLS AGAIN

SESSION 3: DAMAGE CONTROL (Third Tuesday)

• CLEANING UP CREDIT REPORT
• YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING ACT
• BACK IN THE SADDLE**RE-ESTABLISHING RESPONSIBLE CREDIT
• DON'T FALL IN THE SAME TRAPS

SESSION 4: FINANCIAL RESOURCES FOR THE FUTURE (Fourth Tuesday)

• AUTO FINANCING BRIEFLY COVERED
• POSITION YOURSELF FOR A LOW COST, A+ MORTGAGE LOAN
• AVOID HIDDEN MORTGAGE COSTS AND REDUCE CLOSING COSTS

Thomas R. Abbott | Tom is a graduate of the University of Pittsburgh (BA, MA). He retired as a Navy Commander after a 20 year career as a Naval Intelligence Officer. His experience includes time as a licensed life insurance agent, a credit counselor, and a mortgage loan officer. He joined the firm as a bankruptcy paralegal in 1997.