Federal bankruptcy guidelines passed in late October of 2005 stipulate that chapter 7 filers must wait at least seven years before they can seek federal bankruptcy protection for a second time. Knowing this, there are many organizations in the state that offer Oregon bankruptcy services to provide financial assistance to help previous filers avoid filing for bankruptcy for a second time. Many companies that offer Oregon bankruptcy services can help you get on track and stay on track after a bankruptcy in an effort to steer clear of a second bankruptcy filing. First, you will want to gradually ease back into the financial industry. If mismanagement of credit cards was the primary reason that you filed for bankruptcy in the first place, then representatives at an Oregon bankruptcy services center might suggest or recommend that your post bankruptcy process not include credit cards in the beginning. That may be hard to digest at first but learning to live without being wholly dependent on credit cards. You can start by focusing on establishing a healthy savings account. Create a monthly budget so that you can see exactly how much money is going out each month. This will allow you to see exactly how much money you can allocate to your savings account each month without it becoming burdensome to you. After all of your essentials are taken care of, dedicate a percentage of your income to your savings account. Try to commit to the same amount of money each month and do not access the funds except for in cases of extreme emergencies. This will require a certain amount of self-control or restraint. If this is challenging for you, consider banking with banks that discourage frequent withdrawals by assessing penalties on early or excessive withdrawals or limiting the amount of monthly withdrawals.