The U.S. economy may be on the verge of a slight recovery after the worst recession since the Great Depression, but citizens are still facing a number of financial burdens. Nearly 1.5 million Americans filed for Chapter 7 or Chapter 13 bankruptcy in 2009 --- a 32 percent increase from 2008. MSN Money reported that in 2010, more Americans will file for bankruptcy than for divorce, and more Americans will sink further into debt than have a heart attack, be diagnosed with cancer, or graduate college, 2009 also saw a 21 percent increase in the number or U.S. foreclosures to 2.8 million, and the real estate crisis does not seem to be over just yet. These financial misfortunes can take a toll, but you do not have to let them ruin your life.<BR><BR>How to Survive and Prosper After a Financial Misfortune will help you make the financial and personal decisions necessary to rebuild your life and come out on the other side. You will learn how to start rebuilding your credit immediately, how to shuck the social stigma associated with filing for bankruptcy, and what your rights are coming out of a repossession or eviction. You will learn the housing options available after you file for foreclosure and how to negotiate with the bank to make the process less damaging. This book details more than ten major financial hardships and investigates how each will affect your finances, life, and family, as well as providing you with instructions about how to bounce back. This book discusses how you can take advantage of government and municipal programs designed specifically to help people with financial problems. You will learn the different ways you can overcome the black marks on your record, find a new home, and acquire hard-to-find financial assistance. This book also contains advice from experts in debt management and bankruptcy law to provide a comprehensive perspective of financial hardships.<BR><BR>With How to Survive and Prosper After a Financial Misfortune, you will not only learn how to survive your downturn in financial standing, but you will learn how to thrive and prosper in your new life.<BR><BR>How to Survive and Prosper After a Financial Misfortune is a must-read for anyone interested in breaking free from the cycle of debt and other pressing financial problems. It is comprehensive, easy to read, and absolutely clear. The author helps readers understand the root of their troubles and then offers a step-by-step plan to achieve lasting financial security.