Here you can find steps to repairing your credit based on your state.  While most credit laws are federal in nature, some items like bankruptcy rules can differ by state, in addition you will want to find counselors and bankruptcy lawyers or others who can help you locally to you.

Credit Counseling Alabama
Credit Counseling Alaska
Credit Counseling Arkansas
Credit Counseling California
Credit Counseling Colorado
Credit Counseling Connecticut
Credit Counseling Delaware
Credit Counseling Florida
Credit Counseling Georgia
Credit Counseling Hawaii
Credit Counseling Idaho
Credit Counseling Illinois
Credit Counseling Indiana
Credit Counseling Iowa
Credit Counseling Kansas
Credit Counseling Kentucky