You can establish mainstream credit after bankruptcy in less than eight months. Whether you filed bankruptcy several years ago or last week, this book will show you how to make a dramatic and lasting recovery. Stephen Snyder and his wife, Michele, each had their Chapter 7 bankruptcy discharged in 1993. They were both so cash poor at the time that they had to borrow money from their families to file. Then, within eight months they mortgaged a home at six percent, leased two new cars, and obtained bank loans, major bank cards, start-up capital for a small business, and more; all using mainstream credit and without the aid of high-interest credit card companies. Today they give, save, and invest 30 percent of their income and live off 70 percent. They consistently maintain a debt-to-income ratio well below 20 percent. And, they are paying back their bankruptcy debt with interest.