If you deal with overwhelming debt on a regular basis, the stress and worry can take its toll over time. As creditors harass you and you worry about not being able to pay your bills, anger, frustration, depression and anxiety are all common emotions. Fortunately, you have the option to file for bankruptcy and get a fresh financial start after months or years of struggle.

Some consumers shy away from bankruptcy because they are concerned about how it will affect their credit. While it is true that it may negatively affect your credit, you may be surprised at how quickly you begin getting credit card offers in the mail after bankruptcy. No matter how hard the hit on your credit, there are also several ways you can rebuild it after you file.

1. Get a secured card

If you are coming out of bankruptcy, a secured card is a good place to start to rebuild your credit. Remember that you may be turned down, but that does not mean you should stop trying. With a secured card, a deposit is made to secure a line of credit. The card's credit limit typically matches the deposit. To build your credit with a secured card, make small purchases each month and keep a low balance. Try to only use 10 to 15 percent of your credit line.

2. Start a budget and use it

If you got into trouble before because you had a hard time staying within your budget, now is the perfect opportunity to start fresh. Allot money to each of your necessities each month, including food, rent, transportation and anything else you need. If you are spending too much money on entertainment or food, you may be unable to pay your debts at the end of the month.

3. Use automatic payments

With credit card debt, many of the late or missed payment fees can make it even harder to get ahead and stay there. If you set up automatic payments for all your debts, then your bills are always paid on time and you do not even have to worry about it.

4. Do not borrow if you cannot afford it

Whether it is from a friend, a credit card company or a bank, borrowing more money may lead you right back down the same path you just came from. Only borrow money that you can afford to pay back, as tempting as it may be to spend outside your means.

Debt does not just come from credit cards but also many factors that are outside your control. If you are striving to keep your head above water but seem to be failing, you may benefit from speaking to an attorney today about bankruptcy.