Whether you live in Huntsville, Jackson County, or somewhere else in Alabama, the rule remains the same: bankruptcy stays on a credit report for 10 years no matter which chapter you’ve filed for. The credit report says the name of the creditor has a zero balance, and it says “discharged in bankruptcy.” This tells anyone reviewing your credit report that you went through the bankruptcy process and that your debt has been successfully discharged.

A note on Chapter 7 bankruptcy: For Chapter 7, you can only file bankruptcy one time every 8 years. As the principal attorney at Jeffrey B. Irby, P.C., part of my job is helping you make sure that when you do file, it’s the right time to file. Timing is a really big factor in bankruptcy cases, so together, we should take the time to weigh your options closely.

Whether you need more answers or are ready to enlist the help of a Huntsville bankruptcy attorney, you can turn to Jeffrey B. Irby, P.C. Reach out today to schedule a free, no-pressure consultation.

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