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Submitted by on Tue, 02/17/2009 - 07:04
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Hello in sept. of 2002 my chapter 7 was discharged, this was before the new changes to bankruptcy occured . I was under the impression at the time that the public record would stay on my credit report for 7 yrs and that the change in 2005 bankruptcy laws made them 10 yrs . I was thinking this wouild be off this yr and found out the removal is for 2012. am I wrong ? has the chapter 7 term always been 10 yrs before removal off your credit report?

thanks