Bankruptcy is an all or nothing proposition, you must list all your assets and all your debts, you cannot leave anything out. When you convert a case from Chapter 13 to Chapter 7 you must disclose any debts you incurred since the filing of the Chapter 13 so that they can be included in the Chapter 7 and discharged. Once your Chapter 7 has been discharged and your case has been closed you can then incur new post-bankruptcy debt. I usually recommend, after your case is over, you obtain a low balance credit card, $500 to $1000 limit, use it for convenience, things you would normally buy anyway, and pay it in full at the end of each month. If you do that you will very quickly rebuild your credit post-bankruptcy.