The Next Step is to understand how to "Bankrupt" yourself.   You must understand how "terminal" debt is keeping you from really starting anew.  Once you learn how to really read a credit report and recognize irrepairable debt you can begin to rebuild.   This is the step you would otherwise be paying a bankruptcy attorney to negotiate.
 

The Third Step may seem counterintuitive but you must fight bad credit with good credit.   You need to have several tradelines that will report prompt payment monthly to all three major credit bureaus.   A couple good credit lines can bounce your scores up overnight.   It is key that you create UNUSED credit because banks like people who already have credit they don't use.

 

The Second Step is to go through your current debts and see which ones are salvagable.   Everyday  people throw away their credit  tossing good money at old debts that cannot realistically be made current.   Identifying and casting off this "terminal" debt will free up the money you need to "cure" the debts that can be saved. 

 

The Third Step is the most fun.   You must repair credit with several tradelines that will report prompt payment monthly to all three major credit bureaus.   Three clean tradlelines showing modest balances and perfect payment can improve credit scores up by as much as 80 points in just six months.