There is no clear answer to this question. Unfortunately, if you are behind on your bills, your credit may already be bad. Bankruptcy will probably not make things any worse.
The fact that you’ve filed a bankruptcy can appear on your credit record for ten years. But, since bankruptcy wipes out your old debts, you are likely to be in a better position to pay your current bills, and you may be able to get new credit.
Although it may be possible for some people to file a bankruptcy case without an attorney, you should not take this step lightly. The process is difficult and you may lose property or other rights if you do not know the law. Filing for bankruptcy takes patience and careful preparation. Chapter 7 cases are easier. Very few people have been able to successfully file chapter 13 cases on their own.