Yup Ella there sure if a life after bankrupsy. And people do it everyday!!! Not a big deal at all, expecially since you are not planning on buying a new house etc during the time it effects your credit rating for! PLenty of people borrow moneies for cars loans etc when the rules have been lifted!! Good job for doing something about it now rather then later..

And yes the water bill can go under that umbrella as well.