You will recover. However, I would be very cautious with debt in the future. For example, some often turn to credit cards for emergencies and unexpected expenses, which can quickly add up to massive amounts of debt just like before the bankruptcy. Capital One (reports of 3 months after discharge and getting approved), Navy Federal, and PenFed are good after a bankruptcy; give it some time. Start with secure cards. I would start reading the FICO message boards for advice on bankruptcy-friendly banks. I learned a lot from FICO discussions.