Myth: I'll never get credit again
Absolutely false. Will it take some time before you will be extended new credit? Yes. Will you be required to pay a higher down payment or a higher interest rate when being approved for new credit? Probably. In some cases, the fact that you have recently received a discharge of your unsecured debt makes you a better candidate for new credit. For information on how to speed up the process of getting credit in the future, see Post Discharge Credit Restoration.
