Filing for bankruptcy can significantly damage your credit for years to come. Once your debt is discharged in your Bankruptcy, you have a fresh start. My clients have received credit cards within three months of filing, albeit with a higher interest rate.  Clients of mine have purchased vehicles 6-12 months after filing for Bankruptcy, and others have purchased homes within one year of filing.  Consider this: if you have income and no unsecured debt, how do you think a creditor will perceive you?