My home was forclosed on in 2008 and a car repo'd. Our income changed dramatically, negatively during that time. We want to rebuild our credit, and try and repurchase something in the next 5-10 years. Should we declare bankruptcy now. We have the forclosed home, the second is calling us daily and the repo'd car loan calling us among other bills. We declared bankruptcy in 1998 and don;t want to be 2 time losers, but think this might be best for us now. Help?