One of the biggest concerns I hear is, ‘Bankruptcy stays on your credit report for up to 10 years!’ ✅ Yes, that’s true — Chapter 7 can stay up to 10 years, Chapter 13 up to 7. ❌ But here’s what most people don’t realize: it doesn’t stop you from getting credit again. Many of my clients are able to finance a car immediately after discharge, rebuild to a 700 score within about a year with diligent effort, and even qualify for a mortgage in 2–4 years. 💡 Bankruptcy isn’t the end — it’s a reset butt

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One of the biggest surprises for people filing bankruptcy? You can’t keep any credit cards—even if they’re paid off. Why? Because every line of credit has to be listed in your case, and once you file, lenders will usually close those accounts. Bankruptcy is meant to give you a clean slate, not leave you with old credit to fall back on. But here’s the good news: ✨ You can rebuild credit faster than you think. ✨ Many people get offers for new credit (yes, really!) within months of discharge. ✨ You