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If the case was dismissed without prejudice, you can refile at almost anytime after you get the credit counseling. However, you should exercise extreme caution when refiling the bankruptcy and you should consult an attorney before doing so. Under the new laws, there are harsher restrictions on refiling bankruptcy to prevent "serial" filings. A serial filier is someone who files case after case to avoid eviction or foreclosure. Failing to file the Certificate of Credit Counseling can be sufficient grounds to find that the first bankruptcy was not filed on good faith and could result in an early termination of the automatic stay. If you refie, it may be necessary to file a motion to extend the automatic stay. Therefore, it is very important to see a qualified bankruptcy attorney about your situation.

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โˆ™ 2013-02-28 09:57:19
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Q: If a chapter 13 case is dismissed for failure to obtain credit counseling prior to filing how soon can you refile?
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How long does a dismissed chapter 13 bankruptcy stay on your credit file?

A Chapter 13, whether it is dismissed or successfully receives discharge, is on your credit report for 7 years. A chapter 7 is on your credit report for 10 years. i called equifax and a discharged chapter 13 stays on for 7 years and a dismissed chapter 13 stays on for 10 years


How do you remove a dismissed chapter thirteen bankruptcy from a credit report?

You can't. A valid entry for a dismissed chapter 13 bankruptcy will remain on a credit report for seven years from the date of dismissal.


How long will a dismissed bankruptcy stay on your credit report?

i am A Mortgage Broker The Bankruptsy Never Leaves The VCredit Report But if You Are Trying To Do Something With Your Credit Banks Go off The Discharge Date * 10 years for a dismissed chapter 7 and 7 years for a dismissed chapter 13.


How long does a dismissed ch 13 stay on a credit report?

A chapter 13 Bankruptcy, dismissed, discharged, or otherwise, stays on your credit report for 7 years from the date it was filed.


If a chapter 13 is dismissed does it still stay on your credit report for 7 years?

Yes.


How long will a dismissed bankruptcy stay on your credit?

:A bankruptcy under chapter 7 or 11, or a non-discharged or dismissed chapter 13 bankruptcy generally remains on your credit file for 10 years from the date filed. A discharged chapter 13 bankruptcy generally remains on your credit file for 7 years from the date filed.


How long will a dismissed chapter 13 be on your credit file?

Seven (7) years from the date of dismissal.


If debts are paid after bankruptcy with a post bankruptcy inheritance does the bankruptcy go away?

No once filed on file. * A dismissed or discharged chapter 7 will remain on a credit report for ten years. A dismissed or completed chapter 13 will remain on a credit report for 7 years.


Can bankruptcy be taken off your credit report if the bankruptcy was dismissed through the courts?

Bankruptcies are a matter of public record and this is why they appear in credit histories. A Chapter 13 listing will remain on your credit report for seven years from the filing date and a Chapter 7 will remain on the credit report for 10 years from the filing date. The credit report entry will state the bankruptcy was filed and dismissed, not discharged.


What year did the law change for bankruptcy on your credit report for 10 years?

The time limit for a discharged chapter 7 or 13 bankruptcy to remain on a credit report has always been 10 years. A dismissed chapter 7 wil remain 10 years, a dismissed chapter 13 will remain 7 years.


Can a chapter 13 be removed 7 years after being involuntarily dismissed?

The answer is yes -- Chapter 13s are removed after 7 years in a credit file


If a chapter 7 bankruptcy was voluntarily dismissed not discharged can it be removed from your credit file?

No, it will remain for seven years.


How long after filing chapter 7 bankruptcy comes off of your credit reports?

10 yrs. after its dismissed.


Dismissed chapter 7 bankruptcy How long does it stay on your credit report?

it can stay on your credit report for as long as 10 years.


Can you buy a car after chapter 13 dismissed?

Dismissed or completed? If it were dismissed, your credit report will show that you filed for bankruptcy. Obviously, if you filed bankruptcy your credit is not great. You certainly can buy a car for cash. Finding someone to lend you money; or getting a loan will be more difficult.


How long does a discharged bankruptcy remain on a credit report?

Accounts stay on your credit history for seven years. Bankruptcies stay on for ten. * New bankruptcy reform laws have no bearing on credit reportage. A discharged chapter 7 or 13 remain on the report for 10 years from discharge date. A dismissed chapter 7 remains for 10 years and a dismissed chapter 13 remains for 7 years.


When is a dismissed chapter 13 bankruptcy removed from a credit report?

Probably not. It was an attempt to get out of paying debts and many creditors would consider this to be significant as an indication of your credit risk. A dismissed chapter 13 BK remains on the credit report for 7 years from the date of the dismissal. This is true for Experian and Transunion. Equifax keeps a dismissed Chapter 13 BK for 10 years after date of filing... if anyone has been successful in getting Equifax to remove this item after 7 years, please share how you did it !!


If you filed Chapter 7 six years ago and it was dismissed but the credit bureaus will not take it off how do you get it removed?

A CHAPTER 7 BANKRUPTCY TAKES 10 YEARS BEFORE THIS IS REMOVED OFF OF YOUR CREDIT REPORT. THE GOOD NEWS THIS DOES NOT AFFECT YOUR CREDIT ANY LONGER! *********************I filed Chapter 7 in 2003 and depending on what your state court's definition of "dismissed" is it CAN affect your credit. For instance, some courts definition of "dismissed" is the same as "discharged." In Ohio it is "discharged" and I no longer owe any debt, however it DID IN FACT AFFECT MY CREDIT. I can NO LONGER get any. I received denial letters stating the reason for being denied, "Bankruptcy." So do your homework according to your state.


What are the benefits of consumer credit counseling?

The benefits of consumer credit counseling is that you will get some helpful advice on how to get your consumer credit back on track. There are many benefits that come with consumer credit counseling.


When you file chapter 7 bankruptcy and the case was dimissed will this show up on my credit report?

Yes. It will show that you filed bankruptcy and that the bankruptcy was dismissed.


How can a dismissed bankruptcy be removed from a credit report?

Nothing, a dismissed banruptcy remains on a credit report for seven years.


Can you get a credit card if it was included in a chapter 7?

Once your bankruptcy has been dismissed, you can apply for and receive new credit. It is not recommended but many people do get new credit cards after filing. Usually a company included in a bankruptcy will not extend credit to you again.


If you had a bankruptcy removed from your credit report would you still be able to challenge that dispute in the same manner after 6 years?

A dismissed chapter 13 remains on a credit report for 7 years. A dismissed chapter 7 or 11 remains for 10 years. A discharged chapter 7 or 13 or 11 remains for 10 years. If the date for the dismissal or discharge exceeds any of the above time limits then the consumer should contact the credit bureaus by written correspondence requesting the entry be expunged.


Do you have to get credit counseling before you can file for bankruptcy?

You do not have to necessarily get credit counseling before you can file for bankruptcy.


What services are provided by Consolidated Credit Counseling Services Inc?

Consolidated Credit Counseling Services, Inc. offers services such as reduction of credit card payments. Consolidated Credit Counseling Services, Inc. also offers services for debt management solutions and credit and housing counseling opportunities.