About a year ago I decided I wanted to move on with my life, and looked into bankruptcy. Due to my personal situation, I was advised by 2 attorneys not to file. They suggested waiting it out for the 7 years. I am wanting to rebuild my credit, and desperately need to (it's tiring being a credit leper). As many of you seem pretty knowledgable...Would you wait for the 7 year mark, and attempt to clean up your report then, or would you try to do a debt settlement? Any advise would be great!