Worrying that your credit history will be damaged is the worst reason not to apply for bankruptcy
. It is entirely possible to have even better credit score post bankruptcy if you stick to a right plan to help you reestablish your credit. Some people have even achieve high 600 or low 700 credit score several years after their bankruptcy filing. Not only will your credit score go up post bankruptcy, it is even possible for you to qualify for a FHA house loan 30 months past your bankruptcy filing. Filing for bankruptcy is not the end of the world for you, it is just the beginning. If you need help structuring your bankruptcy strategy, look for a bankruptcy lawyer who can help you along the way. Filing bankruptcy should have taught you a life-long lesson. You should be aware of the type of financial problem you can get yourself into if you are not careful with your money management. Take charge of your life and aim to stay debt free forever.