Good luck! I filed Chapter 7 myself in August 2014 and was discharged in December of that year. I had been very reluctant to take such a drastic step at first, but many people, including my mother who herself had done this many years ago, persuaded me to, and it turned out to be one of the best decisions of my life. Your credit will recover if you work at it; I'm still less than two and a half years past BK discharge and after fifteen months of working on rebuilding credit (I spent the first year or so jobhunting, as I described elsewhere) I already have several credit cards (including one of the best of 'em, Discover It) and a used-car loan at a decent rate.
