[Johnny5]

If you are struggling and money is very tight that you are having trouble paying some bills, my advice is to suck it up and find more avenues of income to get your finances under control. I went through a bankruptcy a long time ago and I did have to wait the 7 years before getting a real loan for a car or even being able to be on a rental lease for an apartment. The only thing I had during that time was credit cards. Your financial situation could turn around and if you have that bankruptcy on you, it will hurt a lot. Just bust your butt and get through it if times are tough. It's worth it.