I filed Bankruptcy and it has been discharged for a year as of June and i went to pull my credit report some of the items that are on my credit report is still there they where not paid off. I still have balances on 15 accounts i filed chapter 13 and i have been trying to get in touch with the attorney i went through and he is no longer with this company. My credit score is 512 what can i do fix this problem i am 13,000.00 in debt because of this and i dont have that kind of money layng around the house should i consolidate them they are all old bills but i wanna fresh start. Please Help!!!