10 years from discharge for most credit reports...as a mater of federal court record it is availale for those that look for much longer.
There is no definite answer as creditors establish their individual collection procedures, it might also depend upon whether it is the original creditor or a collection agency.
How long do freeflyers drop before pulling the cord
In a voluntary Chapter 13 dismissal, creditors can typically resume collection efforts immediately after the case is dismissed. There is no waiting period; the automatic stay that protected you from creditor actions during the bankruptcy proceeding is lifted upon dismissal. Consequently, creditors can initiate lawsuits, wage garnishments, or other collection activities without delay. It’s advisable to consult with a bankruptcy attorney to understand your options and plan your next steps.
usually a chare off happens after 7 years
To file chapter 11 bankruptcy one must propose a plan and then must find creditors to agree with this plan. Then, the person must take the plan and creditors to bankruptcy court where the judge will decide whether the plan can work or not. As long as the judge and all the creditors agree then that person can follow through with the plan and be in chapter 11 bankruptcy.
Negative entries from creditors remain seven years from the DLA. Chapter 7 BKs for ten years, Chapter 11 for seven years. Judgments remain for seven years but can be reentered when if they are renewed.
Abraham Lincoln whom, in 1833, filed for bankruptcy due to a failed business and was required to repay his creditors over a period of 17 years. The current chapter 13 isn't that long anymore; it requires 5 years of payment.
It is 180 days before you can refile
Usually 45 days!
That time period varies state by state. You need to check your state laws.
No. You can file any time. You actually don't even have to have any debt to file. Anyone can file anytime as long as you meet the minimum reqirements for each chapter.
No, but you will be protected under the stay for as long as the Ch. 7 is active (not been discharged or dismissed), and you have alotted amount of time to add creditors.