My husband and I filed for chapt 7 2 yrs ago and got dismissed because we made too much money. Now my husband is on disability and making 50% of his salary. Should we wait 6 months and file for a 7 again. We sold our home in a short sale 2 years ago. We have considered trying to pay back out debt. A lot of it has been charged-off or sold to other people. At this point would we really be able to clean up our credit report. We would really like to purchase another home in approx. 2 years time. We owe approx. 60,000. thank you.