The following is a link to a very good post by Philip Tirone of 720 Credit — an educational program that shows you how to raise your credit score to 700+ 12-24 months after a bankruptcy discharge. I offer his program free to anyone who files bankruptcy with my firm.
Here is a link to his article:
http://www.720creditscore.com/blog/what-to-do-if-you-cant-stop-worrying-about-your-bills/
For more information on the 720 Program: