Looking to file for Chap 7 bankruptcy protection. I want to reestablish my credit. I want to aggressively begin put my money into my savings account which right now has less than $5 in it. I 've have a two year plan to purchase a home for my 2 small children and myself. I couldn't work for a year due to sickness with and after child birth. I had no income for about 6 months fell behind on credit cards, unsecure loans and personal loans. I dreadfully took out to pay day loans. I need a fresh start in debt ($15,000.00). I need to know the best course of action I must follow.