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Getting approved for a secured credit card is virtually guaranteed. This depends entirely on the creditors. In order for you to qualify for a discharge of you unsecured debt in the Chapter 13 bankruptcy case, you must wait at least 4 years from the date your Chapter 7 bankruptcy case was filed. Consumer Accountability. Bankruptcy laws in the USA is highly complex and stringent and the bankruptcy contains over sixty different cases and disciplines and each discipline owns over hundred more sub-categories. The reason is simple - since he is popular, he would have lots of clients. Do not let the collections agencies or the bankruptcy attorneys dictate your decisions. However we have provided you with a general guideline.