There are so many common myths or misconceptions about the entire process of bankruptcy. Only a Rockford bankruptcy attorney can help you distinguish fact from fiction. Some people believe that a personal bankruptcy will permanently scar their financial status. A Rockford bankruptcy attorney will tell you that that is completely untrue. Bankruptcy is only debilitating if you let it be. If you let the negative aspects of the process consume and overwhelm you then yes you may suffer permanent damage. On the other hand though, if you listen to and take the advice of your Rockford bankruptcy attorney then it is very well possible to resume a healthy post bankruptcy financial life. One thing that you should know is that society's attitude towards bankruptcy is changing. It is becoming more acceptable in part because the economy has created a reliance on it. Because of this change in attitude, creditors have also begun adopting a more lenient lending philosophy with regard to previous bankruptcy filers. After all, if creditors vehemently refused to lend to people that had a bankruptcy under their belt then there would be a lot of consumers off limits to them. Second chances are becoming more common as the face and composition of bankruptcy filers continue to transform. One important factor that lenders will want to know is what happened to make you file for personal bankruptcy. Perhaps most importantly though, what was your payment history like prior to your bankruptcy filing? These things may help explain why you should be given another chance. Remember, these credit card companies do not have to lend to you. Try to offer them some motivation to assume the risk of lending to you. Offer concrete evidence through your past patterns as a logical reason why they should lend to you. This could mean the difference between a successful past bankruptcy life.