I filed in august and do to a missing paper in my petition i wont discharge for a bit longer than i expected, but any way my plan was to keep one loan i have (boat loan and its co signed so either way the cosigner would have got nailed for it) and continue to make on time payments. My other plan was to get two secured credit cards for my wife and I . I planned to stick to this for a least a year and see how it affects my fico score which is now 457, it was a 735 before but thats what getting overextended and then getting fired does to you if your not prepared. If You have been through this and have some insight or a plan you followed let me know how you did it and how it worked. how about home loans were you able to get one and what was the interest rate.email me if you dont want to post it for all to see. Lastly lets keep this on track and not have the classic unnessicary answers.