I can understand why banks would be afraid to loan people money after filing for bankruptcy.
We are living in very difficult times for so many people and banks are afraid to loan people money in the first place more or less when their credit is in shambles.
If you look at the amount of homes being foreclosed on, and companies that are no longer in business–people are really hurting. So, on one hand you have those who are still working after bankruptcy versus those who arent having as good of luck. Unfortunately, I believe the qualifications for bankruptcy loan should be is whether or not you are currently employes plain and simple.
If you have the guts to continue to go out and face the world making very little–that should be the ultimate character test to a bank.
For those who dont have that much inner muscle, I feel they shouldnt be considered for a loan.