Takes about 7 years of good credit after bankruptcy to have any chance at a decent loan interest rate.
I have heard people that approach creditors outside of bankruptcy to take cents on the dollar versus fighting in court for a piece.
Not sure how much you were in debt or why but you are in for some tough times ahead.
I know people that have gone through it. Buckle down...take the learning lesson and follow the rules and move on.
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It is not the most intellectual of the species that survives; it is not the strongest that survives; but the species that survives is the one that is able best to adapt and adjust to the changing environment in which it finds itself. Charles Darwin
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