RACEKA, bankruptcy procedures have changed since I lived where you are and filed a dozen years ago. The bankruptcy stays on your credit report 10 years.
However, since you can't file bankruptcy again for a number of years (I think it was 7 when I went through it), credit card companies did offer credit, although with high interest rates, because debit is more secure; they won't have to write off the debt due to bankruptcy.
Obtaining financing for something like a car is more difficult.
I don't know if this has changed in the new economic climate we now have.