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Chapter 7 bankruptcy stays on your credit report for 10 years from the filing date. Chapter 13 stays for 7 years. But the number most people fixate on is misleading: the damage fades long before the record disappears, and many filers see their credit score begin recovering within months, not years. Here’s how the timeline … Read more

Filing Chapter 7 bankruptcy takes about four to six months from start to discharge, and the process follows the same federal steps in every state. What changes by state is the exemptions that decide which property you keep and the median income figure on the means test — the sequence of filing itself is uniform. … Read more