90-Day Recovery Plan™

Get your discharge order and store it safely

Your discharge order is legal proof that eligible debts were eliminated. Download it, save a digital copy, and keep a physical copy in a safe place.

Pull all 3 credit reports

Go to AnnualCreditReport.com (the official site). Verify that discharged accounts are marked correctly — not just left as unpaid.

Set up a basic household budget

Your income and expenses have likely changed. Start with a simple monthly budget: total income vs. total fixed expenses.

Open a checking account (if closed during bankruptcy)

Some accounts closed during bankruptcy proceedings. If you don't have a checking account, open one at a credit union or bank.

Set up auto-pay for any remaining non-discharged debts

Reaffirmed debts (like a car loan you kept) need to stay current. Auto-pay prevents missed payments during this transition period.

Complete bankruptcy debtor education (if not done pre-discharge)

Debtor education is required after filing. If you haven't completed it, do so promptly to avoid delays to your case closure.

Celebrate — you made it through

You completed the legal process. That took courage, organization, and follow-through. Take a moment to acknowledge what you've accomplished before moving forward.