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Your Credit Report After Chapter 7

Michael Agruss

Written and Reviewed by Michael Agruss

  • Managing Partner and Personal Injury Lawyer at Mike Agruss Law.
  • Over 20 years of experience in Personal Injury.
  • Over 8000+ consumer rights cases settled.
  • Graduated from the University of Illinois Chicago School of Law: Juris Doctor, 2004.

Your credit report may reflect your Chapter 7 bankruptcy for ten (10) years after you file, while Chapter 13 bankruptcy may be shown for seven (7) years after filing. The debts you list in Chapter 7 will be listed as part of the bankruptcy in your credit report, and any co-signers on your debt may also be affected.A few months after being discharged from Chapter 7, it’s recommended that you obtain a copy of your credit report to ensure that your listed debts, other than mortgage and reaffirmed debt, were discharged properly. If any listed debts still appear, contact your bankruptcy attorney as soon as possible.If your credit report lists any discharged debts as current or active, keep copies of the following documents:- The listing of creditors in your case, which is provided to you during your Meeting of Creditors;- The “Discharge Order” from the court when your case is completed;- The “Order” which closes your case.Keeping all documents and paperwork is highly beneficial not only to ensure a smooth bankruptcy process, but also to prove to future creditors when your case was filed and closed and which creditors were involved.If you are struggling financially and considering filing for Chapter 7 bankruptcy, you are not alone. Contact an experienced bankruptcy attorney today for a free consultation.

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