Dear Mary: Please give me some pointers on bouncing back from bankruptcy. Will this have any effect on future employment opportunities? —Emmaline Dear Emmaline: Pay your bills on time; never be late. Do not run up big balances. Do not apply for a lot of credit. Never use more than 30 percent of your credit limits. Never allow a credit card balance to roll from one month to the next. Above all, let nothing prevent you from saving 10 percent of your net income. Many states allow employers to require credit reports from prospective employees: It’s the new character reference. Your bankruptcy could adversely affect your job opportunities. The same will hold true for applying for a mortgage or life insurance. That probing question of, “Have you ever filed for bankruptcy?” will require truth and honesty. If you are diligent, your credit report will soon reflect a definite change of …