I can't lie I filed a almost 2 years ago and ended up getting a new VOLVO!!!!!!!
. The bankruptcy did help me alot and I mean alot. I wasn't scared to do it but I felt as if my back was up against the wall. For me it was surely a good decision. Filing bankruptcy doesn't mean you're careless or irresponsible; I've kept my credit up since then. I now have another luxury vehicle. I make sure I make every payment on time, I only have 2 credit cards and 2 department store cards. I know I only need maybe one of each or none. But my income is better than what it used to be and I can pretty much swing it; plus I have another income coming into the house (spouse). But in all I'm very careful. My sister in law filed 4 years ago and she's just bought a house.