Nobody will do anything with you while you are in a Chapter 13 simply because you could flip it to a Chapter 7, and then include the new debt with it. I have always thought doing a full chapter 7 bankruptcy was a better choice.
You would have to wait 2 years before you are eligible. However, during that 2 years you need to make sure that all negative accounts listed on the bankruptcy are taken off of your credit report, as this is not automatic. You will have to dispute each account, with all three credit bureaus, to get them off there.
Next, you need to build at least 3 solid credit accounts. One option is to get a couple of secured credit cards, and keep the balance on these to no higher than 30% of the credit limit. BMO Harris also has an option that will increase build your credit called Credit Builder CD. It is a great product for building credit.
Let me know if I can be of further assistance to you, your family, or friends.
Avery Garrett, Realtor
Coldwell Banker Kaiser