text: Go out to into the country and find a pig farm.  Walk out to the pen and look at the ground.  See that big pile?  Smell the bad air?\n\nThat is your credit score.  And it will be with you for 10 years.\n\nDon't dispare....even with a bankruptcy you can still find people to loan you money and help rebuild your life.  True, the interest rate will suck, but at least your debts are managable now, and you can move on.\n\nDon't be ashamed that you went bankrupt.  You are in very good company.  Last year tens of thousands of people filed for bankruptcy due to the new laws that took effect last October.  \n\nJust remember, in the future watch where you are walking so you don't step in another pile of bankruptcy or debt.