I filed BK7 in 2001 and was discharged in 2002. I had a foreclosure and a repossession. I secured credit again fairly quickly and bought another car at a 21% interest rate. I have since defaulted on most of my accounts (car is up to date) since the BK and want to begin cleaning things up. Where should I begin? Which accounts should be cleared up first? How long could I have to wait to buy a home once I've repaid my creditors? Thanks!