How long will a Chapter 7 bankruptcy be on my credit record?

The bankruptcy will be reported on your credit for 10 years from the date that you receive a discharge.  Your credit history will still appear on the credit report; however, the creditors have no legal right to collect unless the debt is non-dischargeable.  You can usually purchase a vehicle after the discharge; however, the interest rate will generally be very high.  You may be able to obtain a mortgage or refinance a house usually 2 to 3 years from the date of filing.