It stays on your credit report for 10 years in every state. Bankruptcy is a federal procedure.

In federal bankruptcy, it depends on the value of the motorcycle and whether you can exempt it or pay the trustee the value of the bike. If there is a state bankruptcy procedure in PA, the rules may be a little different.

If the lien is a mortgage or a tax lien, the bankruptcy may not have discharged the debt, and the estate would have to be probated. The estate may be bankrupt, and there is usually a state procedure for estate bankruptcy. Federal bankruptcy does not apply. Consult a local attorney experienced in estates.

A no Asset Debtor is a person who has applied for an alternative to bankruptcy through the No Asset Procedure. If you haven't applied for entry into a No Asset Procedure by filing a notice with the Official Assignee, select no.