📊 HOW LONG DOES BANKRUPTCY STAY ON YOUR CREDIT? The TRUTH — and why it's not as bad as you think.

Let's be honest about credit impact:

⏱️ Chapter 7: Stays on credit report 10 years
⏱️ Chapter 13: Stays on credit report 7 years

But here's what the debt collectors WON'T tell you:

✅ Most clients start rebuilding credit within 12–24 months
✅ Many clients qualify for car loans within 1–2 years post-discharge
✅ Some clients get home mortgages within 2–4 years
✅ Your score often IMPROVES after filing