Originally Posted by Barefootsies

Lots of bad financial, and bankruptcy advice in this thread.

You can get credit cards almost right after. The important thing is that you, after bankruptcy, make all your payments on time from that point on. In 18-24 months you will be able to buy just about anything you want.

Sure, there are a few banks who will not lend to you. Chase, Bank of America, and some other well known. Those store cards will be iffy. Maybe a local bank or two will not loan you shit (go to a credit union). But the gold rule of finance is a strong 18+ months of paying your shit, and making sure no red marks, and you're fine for 90% of what you want out there.

You may not get 9% interest rates on car loans and cards, or 5% on your mortgage, but you'll still be able to get a lot.