For many people, credit scores actually increase after filing bankruptcy. It is untrue that you will not be able to buy anything on credit or obtain a loan after filing bankruptcy. Being diligent and proactive is the key to rebuilding your credit score. You can very likely secure a credit card shortly after your discharge. Often, car loans are easier to secure. Keep in mind that credit card limits may be smaller and interest rates may be higher, but by making regular payments on these loans, you can rebuild your credit score over time. It will not happen overnight and there are no tricks involved. A steadily growing record of regular payments over time will restore and rebuild your credit even higher.
For more information about the difference between Chapter 7 and Chapter 13 Bankruptcy, please click here: Difference between Chapter 7 and Chapter 13 Bankruptcy.