Bankruptcy does not mean you will never get credit again. It does affect your credit rating for a period of time- but you can re-establish your credit even while the bankruptcy is still showing on your credit report. The debts included in the bankruptcy have an R9 rating with the credit bureau and your bankruptcy will show up for a period of six years from your discharge if you are a first-time bankrupt. That does not mean that you will be unable to obtain credit during that period. We will discuss credit reestablishment with you during your counselling sessions. There are ways to re-establish your credit prior to it coming off your credit report.