I was just discharged of my debt OCTOBER 18 2011 The fed will not even look at you. The BANKS ARE THE ONES WHO GIVE YOU THE NOTES IN TRUST THAT YOU WILL PAY THEM AS AGREED. Lets call the banks, the fed. with the bankruptsy comes a stratigic time frame for you to have waited long enough to not fall again so soon.... That is the way they plan it. Even if you say it is not your fault, WELL, IT IS NOT THIER FAULT THE PROMISS WAS BROKEN EITHER.. You do the math... you must wait you turn again, get back in line again until they say it is ok. Bankruptsy never helps your credit score. for a good reason. It's not your money tobegin with is it, IS IT?