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You can survive bankruptcy but it IS a long haul and requires much patience & perseverance. I chose bankruptcy following a nasty, expensive divorce that took 3 yrs & many dollars to accomplish. I was overwhelmed financially & credit counseling didn't seem to be an option when I realized they report your payments as late, which doesn't appear well on your credit report. Bankruptcy was the only way to start afresh and begin rebuilding my credit. My credit started rebuilding slowly within 18 months following bankruptcy & I am happy to report that I have reached my 2-yr anniversary from being discharged. It is discouraging at times to watch how slowly your credit score rises, but the fact that it repairs & rises is the key focal point. Not a decision to make lightly, but sometimes the only way. There is hope....don't despair. Just realize bankruptcy for what it is and hang in there.