Section
Bankruptcy
Federal legal process for discharge or restructure.
- Jul 15, 2026
How Long Does Bankruptcy Stay on Your Credit Report?
Chapter 7 bankruptcies typically remain on credit reports for 10 years, while Chapter 13 cases are generally removed after seven. Although these entries originate from the initial filing date, their negative impact on credit scores often diminishes over time as consumers establish new histories of on-time payments.
- Jul 14, 2026
Chapter 7 vs Chapter 13 Bankruptcy - Which Fits?
Chapter 7 offers a fast discharge of unsecured debt but may require the liquidation of nonexempt assets. Chapter 13 creates a multi-year repayment plan that can help homeowners catch up on arrears and protect property. Eligibility for either path depends on income levels, asset equity, and the ability to maintain monthly payments.
- Jun 15, 2026
Bankruptcy: The Federal Reset, Demystified
Chapter 7 discharges most unsecured debt in 90–120 days. Chapter 13 restructures it over 3–5 years. Both stay on your credit report for up to a decade. Here is how to tell which one applies to you.