Definitely yes. Actually, immediately after filing a chapter 7 bankruptcy a debtor will get inundated with offers from car dealerships to buy a car. And then soon thereafter the debtor will get credit card offers. Thus, although a bankruptcy will stay on the debtor’s credit reports for 10 years, this does not mean that a debtor cannot get credit for 10 years. As stated above, a debtor can immediately finance a car and will soon qualify for credit cards. I recommend to all of my clients that they obtain a secured credit card for $300-$500 with their bank or credit union soon after their discharge (about 91 days after filing a chapter 7). And then I recommend using the secured credit card, pay timely each month, and keep a small balance on the card. This will help build credit for the debtor. In fact, filing a bankruptcy will often improve the credit score of a debtor (sometimes immediately and sometimes with a 12-month period of time). The reason for this is that it cleans up a lot of miscellaneous negative credit history and it greatly improves the debtor’s income to debt ratio (an important factor in a credit report). A debtor who filed a chapter 7 bankruptcy can even obtain a mortgage on normal terms in as short as 2 years after filing a chapter 7 bankruptcy (sometimes shorter, if there were extenuating circumstances that necessitated the bankruptcy filing, like a medical condition).