Can I qualify for debt settlement in Hawaii when I have filed bankruptcy 2 years back?

You can ask for debt settlement anytime. But make sure, you're aware of its negative impact on credit score. Still, its a preferable way to get your accounts back into black without resorting to bankruptcy. Just check your alternatives well before going for it.

Yeah! The debt settlement option is open all the time. But, as Paul mentioned in the previous comment that its effects on credit score negatively.

I would like to suggest you to go for DIY debt consolidation. You just need to negotiate with the creditors to get a repayment plan. You’ll get lower interest rate as well. You don't have to pay additional charges to a consolidation. Or, get a free credit counseling to know your best options.

Opting for debt settlement might lower your score. Since you also had to file a bankruptcy a few years back, it's high time you start managing your finances effectively. Doing so, you can improve your credit score, too.