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davel3083

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chapter 7 after 7 years
after my chapter 7 is 7 years out, what happens to that on my credit report, it is approaching that mark and i wanted to know if there was something i have to do, and if all the stuff that was included in that is taken from my credit report

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It could be as long as 10 years ( I had a Ch 13 that did) but it will drop off the credit report and all the debts that were listed on the bankruptcy filing will vanish, except for student loans which do not go away until they are paid off.  Been there on that one, too.

What you have to do now and evermore is pay your bills on time and not get into more debt than you can comfortably handle.  Always try to have a " cushion fund" for those unexpected expenses that always pop up.

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