If you are like so many other Americans who are discouraged because of the state of their finances then maybe you should contact a reputable Marlton bankruptcy attorney. Having an experienced Marlton bankruptcy attorney in your corner during this difficult time can really help you during the recovery process. Any Marlton bankruptcy attorney will likely tell you that the road will not be easy but it is certainly conquerable as evidenced by so many other successful victors in the past. A big concern that many filers have is how to get back into the credit game following a bankruptcy. For everyone, the answer to that question is different but there are a few general things that one can do to rebuild their credit worthiness after a discharged bankruptcy. The first thing that one should keep in mind is that there should be no rush to jump back into the debt pool. Take your time. Try to manage a few months without applying for any credit cards. When you are ready to jump back in then you must do so with realistic expectations. You may be denied for credit more than once. Some lenders may feel that you are just too big of a risk to take on. You should be prepared to accept this very real possibility. Sometimes, if you have the opportunity to, then you should try to offer an explanation as to the root cause (s) of your bankruptcy filing. This may be beneficial to you because it may suffice to explain why you will be able to handle and maintain credit adequately now. For example, perhaps you were laid off from your job and unable to pay your bills for a significant period of time. Your lack of income forced you into a personal bankruptcy. But now, you may have secured a better job and held it for two years. That shows stability and ability to pay. This may be enough for a lender to take a chance on you.