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Summary: You Need To Read This Book
Review: Credit After Bankrptcy is a revelation of great new ideas and a helpful reminder of basic principles we need to put into practice. Most of all it gave us renewed hope in a very dark part of our life.
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Summary: Better than any textbook
Review: I am not proud that I filed personal bankruptcy. Thanks to this book however, I don't regret doing it nearly as much.
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Summary: The most informative book I have ever read
Review: This book is a must-read for anyone who has either filed bankruptcy or has bad or less-than-average credit and are interested in rebuilding their credit and/or obtaining mainstream credit. BUY THIS BOOK!
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Summary: Amazing advice!
Review: Wonderful! The advice he has given has truly helped me to begin my financial life all over again. The book includes the names of well-respected companies that are willing to work with bankrupt consumers. The helpful hints on how to talk to future lenders and what to bring with you has also made a big difference. I was amazed on how much more information you can get from lenders if you just ask the questions the way he recommends! The author has also gone through a bankruptcy, which gives him much more credibility. I now have a credit card and am about to buy my first house and a new car thanks to the wisdom I received in this book! I also feel secure that I will not end up back in a grim situation as long as I follow his advice. The book is written in a way that you do not feel ashamed of your bankruptcy. It gives you hope and a solid path for the future instead of reminding you of your failures. Thanks Mr. Snyder!
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Summary: Caveat Emptor
Review: There appears to be a dichotomy here between reviewers who have gone to the seminars vs those just relying on the book to fix their credit. What's the point of the seminar if you've already read the book? Or the purpose of buying the book if you've already attended the seminar? The claims coming out of the seminar participants seem wild. Besides, no one should approach bankruptcy without full knowledge of the new laws pending in Congress. As another reviewer pointed out, things have changed in the past 10 years. Having a valid bankruptcy removed prematurely from credit, as another reviewer claimed they did with Steve's help, is extremely illegal if the purpose is to obtain credit fraudulently. I wonder if Steve takes personal checks to repair credit at the seminar -- or whether he requires all cash from the recently bankrupt?
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Summary: on the road to recovery
Review: I read the review by ebay_princess. Obviously she didn't truly read this wonderful book. Mr. Snyder does not talk down to women. Instead, he encourages husbands to listen to their wives and their "sixth sense." Each chapter is a step to be learned in the recovery process, so no - there is not a graph showing the steps to take. There's way too much information to consider to print it in such a way. There's many ways to establish credit. This book is for people who want to learn the RIGHT way to do it. Mr. Snyder's examples of his previous thinking (that Ford sucks) is written in a humerous way that tells us all to "build a bridge and get over it" if we want to do this the RIGHT way. I would recommend this book to anyone wanting to reestablish their credit, whether bankrupt or not.
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Summary: No current information you can apply to your life today
Review: I purchased this book about 2 months ago because I was unable to attend the seminar and thought I could gain some helpful insight.
I agree with several of the previous comments...Mr. Synder seems to be more in the 'commercial advertising' business than in the CAB business. I say this because the book is FULL of commercials but void of any accurate phone numbers, addresses or CURRENT websites.
Additionally, there was a chapter on where to find secure or non secured credit card...the average person would think they would find names, addresses or phone numbers in this chapter, right? Wrong! Again, all you get is "man, they raised my credit limit", "man, they really worked with me", but what you don't receive are helpful information (actually you don't receive anything) only a statement from Stephen saying "I could have included the information in my book, but since this stuff changes so much I'll refer you to a special company who has all this information available for you".
Guess who he refers you to? His own personal CAB website, which by the way is NOT 'open for business'? The 'revised' book I purchased has been out for over 2 years and the "Join After Bankruptcy" group that he steers you to, (which is printed on page 212 in the back of his book) the phone number rings busy or either tells you 'where not quite ready for business so go to this website'. Once you get to the website you realize it's just a website that Stephen's putting together and 6 out of the 8 pages that comprise the entire website say the same thing 'where not quite ready for business'!!
Why have people go to a website or supply a phone number where there really is NO business in existence at all?!!
I believe Stephen, in the beginning, had good intentions to help people after his ordeal, but now I think it's just about Stephen helping Stephen. I understand a business is in the business to make money, but when your business is supposed to help someone you at LEAST need to provide the help you claim to have. Even if you decided to associate whatever price for the service (which by the way you did in the price I paid for the book) you need to provide the actual service. Not a bunch of..."this person was helpful", with NO name or contact information on who this person is, or "this credit card company was so helpful in helping me re-establish my credit" but with no company name or contact information.
I could go on but I think by now you get the point! Don't waste your money buying the book and maybe Mr. Synder will eventually get the message that you need to provide people with the actual information in your book instead of the theory behind how helpful these folks where.
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Summary: Defending the Stephen Snyder Method
Review: I think the information Stephen and Michelle have to offer is amazing! Yes, I'm sure you can find information on the net (what subject can you NOT find information on reading the internet??!!), but how convenient to have it all in one place! I don't know about you, but I DO NOT have the time to do all the researching it would take to better my credit (some of us have to work for a living).
Everyone who has common sense (which in this country is very few) now how to raise their credit scores (don't go into debt and always pay your bills on time), but for those of us who have broken BOTH rules need some extra help and a great big push.
I am offended by the comments some readers have made personally attacking Stephen Snyder. I know him personally and he is not "but this man is just plain offensive! He makes sexist pig comments such as how he is the "leader" of his house, but he takes his wife's opinion into consideration....well how nice of him!" Hey, my husband is the "leader" of our house...that's they way it should be.:) And regarding the Ford Company...they do fall apart easily....they are American made which has a reputation of being badly made. I, too, thought the same when my husband told me that Ford was the best dealer to buy a new car from after bankruptcy. I wanted it to any other dealership than FORD.
Both him and Michelle are extremely nice and generous people. A couple who ACTUALLY cares about the people they are trying to reach, not like that idiot (the blond chick on the late night infomercials) who only cares about the money she is making.
And who would think that God has nothing to do with this? That's the most horrible thing I ever heard. Of course you won't get back on your feet if you don't believe God has something directly to do with it. I commend Stephen talking about and writing about God. Without him, we would have nothing and nothing to strive for.
Anyhow, I think all that Stephen and Michelle have to offer is an excellent way to climb out of the depths of debt and/or bankruptcy. If you don't enjoy this book, then wait for his new one that is about to come out. It will be updated and even better!
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Summary: God will get you out of bankruptcy????
Review: I echo the comments of everyone else who has given this book a 1-star rating - for its revolting and inappropriate religious and moralistic tone, the absence of any clear, detailed approach to repairing credit after bankruptcy, and its generalizations based only on the authors' singular bankruptcy experience. I have learned one thing: to take a better look at the reader reviews before buying in the future!
Rating:
Summary: on the road to recovery
Review: I should have read the reviews a bit better BEFORE ordering this book! Not only is there NO "step-by-step" guide to repairing your credit, but this man is just plain offensive! He makes sexist pig comments such as how he is the "leader" of his house, but he takes his wife's opinion into consideration....well how nice of him!
I hope no Ford Motor Company employees purchase this book, he also comments on how when he found out a Ford was about the only vehicle he could purchase after bankruptcy they were "scared it would fall apart" being a measly American made vehicle and all. How embarrassing to have to call this man a fellow American!
If you want to read about how jesus saves, women are morons, and american made items are junk, buy this book. Otherwise, start saving your money now and and dont waste your time! I'm selling mine right now (I just got it today) and I feel like i'm ripping someone off by even re-selling this crap!
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