Will I ever get credit again?

Yes! A number of banks now offer “secured” credit cards where a debtor puts up a certain amount of money (as little as $200) in an account at the bank to guarantee payment. Usually the credit limit is equal to the security given and is increased as the debtor proves his or her ability to pay the debt. Two years after a discharge, most debtors are eligible for mortgage loans on terms as good as those of others with the same financial profile who have not filed a bankruptcy. The size of your down payment and the stability of your income will be much more important than the fact you filed for bankruptcy in the past.

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