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How long is this going to be on my credit?

Ten years is what I tell people because the bankruptcy code says that bankruptcy is not supposed to be on your credit for more than ten years. Thus, I figure it will be there for the maximum amount of time. I have been doing this long enough to have represented people more than ten years ago and the ones I talk to tell me it stayed on the ten years. However, it doesn’t seem to negatively impact your credit but for a fraction of that time, if you are lucky.

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  • Can I go to Jail for not Paying my Bills?

    No, not unless you committed a crime in the creation of the debt (for example, fraud). Simply borrowing money and not being able to pay it back is not a crime. Many creditors representatives will tell you lies on the telephone and say that they will have you put in jail. Perhaps they are too ignorant to know they are wrong or that it is illegal for them even to say that. See More Bankruptcy Q&A