You need a clear, legitimate excuse for why you're behind [the bankruptcy], such as a layoff, divorce, or medical emergency. Be prepared to back up the circumstances with supporting documents. Anything you have to substantiate your story - including proof that you have, for instance, been actively looking for a new job - will help.

Money 911: Your Most Pressing Money Questions Answered, Your Money Emergencies Solved (ed. Harper Collins, 2009) - ISBN: 9780061962097