If I file bankruptcy, does it ruin my credit for ten years?

No, it does not. A Chapter 7 bankruptcy can stay on your credit for up to 10 years, however it will not ruin your credit for that long. Once your bankruptcy is complete, you can rebuild your credit quite quickly. You can do this by making payments on-time each month for a mortgage or vehicle, etc. Because you no longer have the old debts and you are paying on-time, most people have good credit in just a couple of years. 

Please call our office for a FREE initial consultation to discuss whether Bankruptcy will work for you.


Please call our office for a free initial consultation* 

Battle Creek:               (269) 968-1101

4625 Beckley Rd, Bldg 400

Battle Creek, MI 49015, USA                                      

Kalamazoo:                 (269) 324-7344

6312 West Main Street

Kalamazoo, MI 49009, USA


* Except Asset Protection & Family Law consultations