Yes. The fact that you've filed for bankruptcy can appear on your credit record for up to ten years. Realistically, however, if you are behind on your bills, and especially if you have mounting credit card debt, your credit may already be poor or bad. In such cases, the better question may be to ask: "How important is my credit at this stage?" Since bankruptcy wipes out your old debts, you are likely to be in a better position to pay your current bills. After your discharge, you are legally permitted to borrow money, if desired, and there are a variety of methods to gradually restore creditworthiness after bankruptcy.