You can rebuild your credit, and after a while most creditors will overlook the earlier bankruptcy. You have the right to file your own bankruptcy action without a lawyer. This is called a pro se action. The primary reasons to file your own bankruptcy is to save money. Although bankruptcy is a federal remedy and the Bankruptcy Code is the same in each state, there are also some variations among the states.
Most courts have some local rules.
These exemptions govern what property you get to keep, so what property you keep, and what you lose, can vary state by state. This prevents someone from coming in every year and discharging his debts in an irresponsible manner. The six-year rule only applies to Chapter 7 bankruptcies. If the six year rule applies to you, you may still be able to get relief by filing a Chapter 13 plan. There is no requirement that a persons' debts exceed his assets however.