INTRODUCTION: MY CREDIT PROBLEM

I am creating this blog as an avenue to vent my frustration with my current credit issues.  2010 has not been a good year for me at all and I feel like I am digging myself into financial despair.  I want to be free of these issues that I have created for myself, but I just can't seem to catch a break. To be quite honest, I am not a well person emotionally, mentally, or physically.  Now, let me state, I am not in terrible debt as most people are, but I am not able to tackle the debt that I do have.  At the end of 2008, I filed for bankruptcy and it was discharged the following year.  It seem like a weight off my shoulders and I was finally able to take the correct steps to start my financially healthy life over again. However a couple of months later, after much planning to "never put myself back in the credit situation I was in before," I was fired from my job.  I guess you should never say never.  Since then, I have not been able to find a full time job and furthermore I have not been able to make payments on time.  I have had no other choice but to overdraft bank accounts and forego other bills alltogether.  Now I feel like filing for bankruptcy was a waste of my time, because now I am back in the same situation I was in before I filed for bankruptcy.