3-Week Series: Double Blessing

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"The minute the bankruptcy is over, the high-risk lenders inundate them with credit applications," says Charles Juntikka, a bankruptcy attorney in New York. Some credit-card companies love lending to post-bankruptcy people because they know you can’t file Chapter 7 again for six years, and "many people have been so traumatized by what happened, when they get the credit, their on-time payment records are better than people who haven’t declared bankruptcy," says Juntikka.

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