Frankly, don't expect to EVER churn cards again. Ever. As others have said, you can be blacklisted far, far longer then the bankruptcy lasts. And really, why should you be able to? You proved you don't know how to manage money. Two new cars? "Lifestyle changes"? A home you obviously couldn't afford?

Roadtriper's recommendation of Dave Ramsey makes a lot of sense. I think he's an idiot and his advice is mathematically wrong and incredibly stupid. But in your case, it makes a lot of sense. Because he's designed it for people not able to keep their spending under control and live within their means.