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. . .dont worry about advance you wont get them . . .
I repeat dont worry about advance due to the BK however.
You are so wrong. I personally had a BK in 2004 - and I'm appointed with GR and receive a 9 month advance @ 26%.
One lady in my downline - a new recruit a few eeks ago - got appointed with GR and she is presently in a chapter 13.
I don't know where you get your info - you must be with the wrong group.
BK isn't the problem - it's the reasons for the BK that the carriers look at - even then - appointment isn't impossible.
Tom