Is my credit score ruined?

Generally, by the time you file for bankruptcy, your credit is not in good shape. The good thing about filing for bankruptcy is that you are prohibited from filing for a bankruptcy to discharge your debts for another 8 years, so some creditors will consider you a good risk. Your bankruptcy will be expunged from your records within 10 years, and most are removed from your credit history even sooner. You may even be able to qualify to purchase a home in about 2 years.