First i would HIGHLY recommend NOT filing bankruptcy, trust me it will haunt you for the next 15 years in some way/shape/form. True people may say after 5 years its all over, yeah try and get a CC in 7 years and see what they say. or how about buy a new house? car? anything requiring any sort of credit? Your way too young to do that man.
Do you have a 401k? how much is in it? how long have you worked at your job? the option im getting at here is you can take a loan out from yourself from your own 401k. traditionally this is a BAD (<emphasize) idea, but im guessing your 30-35 year's old, which means you still have another 25-30 years in which you'll be able to be a healthy working person, plenty of time to start putting more money back into your 401k, or start a Roth IRA or even a traditional IRA.
Sorry alot of this information is based on your living situation and age, i could be wrong you may be ready to retire or you maybe be younger than i am. i got most of my info from a book by Suze Orman, she seem's very educated on subject's that effect the younger generation (ie. ages 20-35ish) if you'd like you can borrow the book after im done with it.http://www.amazon.com/exec/obidos/tg/detail/-/1573222976/qid=1126145705/sr=8-1/ref=pd_bbs_1/103-8281824-8303859?v=glance&s=books&n=507846 it looks like alot of people just like to give advice that they have heard from soandso and so on and so on, so why not just educate yourself on what to do? goodluck man.