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 Whats the legality of signing for card payments when you are incapacitated (drunk?)? |
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nerak0072 | How long does it take for a bankruptcy to be taken off a person's credit history? |
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Captain Feathersword
|
10 years if you DON'T do something about and hire a credit repair firm.
Legal, ethical and it works!
I had a bk7 and 38 negative accounts removed by a firm in under 14 months.
Cost about $1100 or so. Well worth in the savings in predatory lending fees.
My bk was caused by medical bills. |
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tmcs1959
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Chapter 7 - Please read!
Chapter 13 -
Chapter 13 bankruptcy is a reorganization plan for individuals. To qualify for Chapter 13, an individual must have secured debts under $807,750 and unsecured debts under $269,750. Under Chapter 13 the debtor keeps all of their property, but in return they make regular payments to a trustee, who distributes the payments to the creditors.
Most Chapter 13 plans last for three to five years, and then the remaining unpaid and eligible debts are discharged. The types of debt that can be discharged under Chapter 13 was substantially scaled back by the 2005 reform amendments. Creditors may challenge a Chapter 13 plan but a plan can still be confirmed over their objection if the criteria for confirmation is otherwise met.
A requirement for confirmation of a Chapter 13 plan is that unsecured creditors would receive at least as much as they would receive in a Chapter 7 liquidation.
Under the new rules implemented as a result of the 2005 Bankruptcy Reform, it is now more difficult for people with an income exceeding the state median to qualify for Chapter 7 bankruptcy. These debtors are subject to a means test, and if their disposable income (income left over after paying their expenses) exceeds limits set by the government, the debtor is not entitled to a discharge in Chapter 7 and may elect to convert the case to a Chapter 13.Ca |
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someone
 |
Depends on the type of bankruptcy filed
I think a chapter 7 id 10 years a chapter 13 that is paid off in 5 years is gone after the 6th year call a bankruptcy lawyer and ask |
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David H
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7 years |
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djprall
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it is 10 years for bankruptcy and 7 years for negative credit statements |
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hypsoft
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Just remember, bankruptcy on a credit report could be a good thing. Since a person who has declared bankruptcy is often unable to do so again for a period of time, banks would be more likely to extend credit, since they know they're getting the money back with more certainty. |
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reallyno
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7 yrs |
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Badkitty
 |
I think it is 7 years. |
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Adios
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Bankruptcy will stay on your file for 10 years from the date it was dismissed or discharged. Therefore if you file Chapter 13 and make all of the payments to the trustee on the plan (either 36 or 60 months) the BK will show on your file for 10 years after the discharge, which would be 15 years after the filing date if you choose the 60 month plan. Chapter 7 would be off your credit report 10 years after the discharge date. |
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OMGOSH !!!!!!!
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10 |
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Adventure Man
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Depending upon the type bankruptency, 7 to 11 years. |
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