To be blunt, whether you file for Chapter 7 or Chapter 13 bankruptcy, it is going to do damage to your credit. However, filing for bankruptcy does not mean the end of the world for you or your credit. For starters, with an eventual clean slate, you will be able to prove to creditors that you were worth a second chance. by paying back any credit charges or debts on your name that you accrue after bankruptcy. Over time, your credit score will rise again. If you need help with this, then ask us for how we can help guide you back to the land of positive credit.