Commentators on personal finances occasionally note that the broad-based upsides of a bankruptcy filing for many individuals and families are not sufficiently emphasized.

That is, there is still a fundamental fear factor and related stress that surrounds the process for many would-be filers. It is not uncommon for some debtors to believe that invoking Chapter 7 or 13 in response to formidable financial challenges might invite more problems than it solves.

Reality flatly proves otherwise. Bankruptcy has been a well-recognized and powerful solution to over-the-top debt woes since the inception of the United States, being explicitly noted in the U.S. Constitution. It has helped legions of struggling Americans shed troublingly high debt levels and regain financial traction in their lives.

A recent Forbes articles notes, too, that one especially positive bankruptcy outcome can be achieved in a “remarkably fast” manner by filers who simply “have a plan and behave responsibly” following a discharge of debt.

That is this: Filers can see their credit scores spike notably upward in a relatively short period of time as they recover from bankruptcy. There is a strategy that can be proactively employed to ensure that outcome, and it is far from cumbersome and complex.

For starters, smart use of a secured credit card for a time demonstrates to lenders that a consumer emerging from bankruptcy is intent on keeping debt low and making full/timely payments. That resolve routinely yields progressively higher scores for individuals and more mainstream card offers from issuers.

And it also results in lowered insurance premiums, better interest rates on installment-payment loans and improved mortgage terms.

Following a responsible plan following bankruptcy can truly yield strongly positive results, and in a hurry. The Forbes piece notes a study indicating that about two-thirds of all bankruptcy filers are able to amass a credit score of at least 640 within two years of debt discharge.

An Arkansas resident with questions concerning the bankruptcy process can communicate candidly and confidentially with a proven Little Rock debt-relief attorney.