Last month, I wrote a blog post entitled Are You Exposed on this blog where I suggest that most bankruptcies occur when a debtor allows himself to be excessively exposed to external forces. By recognizing and controlling these points of exposure, you reduce the risk that you will need to file for bankruptcy, and, if you do file, you will be better positioned to avoid falling into the same traps in the future. Recovering from bankruptcy means more than re-establishing credit. True recovery means that you need to change the way you think about credit and money. If you make the same financial choices post bankruptcy discharge with your new credit cards, you will inevitable find yourself back in your bankruptcy lawyer’s office at some point in the future.