I filed for bankruptsy but I've since found out about 'credit proposals' which would have been much better.

There should be credit counselling agencies in the US I assume. Most are free of charge as they are opperated by volunteer financial professionals. They are able to counsel you. They are great at advocating on your behalf - like contacting your creditors and securing better rates. They can explain to you what is involved in Credit Proposals and/or bankruptsies.

I only wish I had turned to one of these programs.