Don't let the fact that you're spending time getting organized result in late fees on your credit card bills.

You must be sure - and I mean absolutely positive - that you have the willpower to pay off those credit cards and not use them again.

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.

Get your friends involved. Let your shopping buddies know that you're on a tight budget, and they can help you out when your willpower starts to weaken at the mall.

Don't let the fact that you're spending time getting organized result in late fees on your credit card bills.

You also need to understand that when you consolidate credit card debt into mortgage debt - like a home equity loan or a HELOC [ home equity line of credit ] - you're taking an unsecured debt and turning it into a secured debt.

If you have even a smidgen of doubt that you'll be able to stay away from racking up additional debt, don't do it.