How long will a bankruptcy stay on my credit report?

A Chapter 7 bankruptcy filing will stay on your credit report for 10 years.  A Chapter 13 bankruptcy filing will stay on your credit report for the length of the plan (3-5 years) plus 7 years thereafter.  But, that DOES NOT mean that you cannot obtain credit after your discharge.  You will be able to obtain credit because your bankruptcy discharge will make you a better credit risk.  Why?  Because the debts that you owed (with very few exceptions) are now gone – wiped out.  You get the fresh start that you have needed to move on with your life.


This answer does not create an attorney/client relationship and is for informational purposes only.  We are a law firm licensed in Georgia.   A consultation with a qualified attorney in your area is required to determine specific legal advice as to your situation and applicable law. We are a law firm designated by Congress as a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.

Angie Seymour
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Bankruptcy Attorney Serving Augusta, GA