One of the biggest concerns I hear is, ‘Bankruptcy stays on your credit report for up to 10 years!’ ✅ Yes, that’s true — Chapter 7 can stay up to 10 years, Chapter 13 up to 7. ❌ But here’s what most people don’t realize: it doesn’t stop you from getting credit again. Many of my clients are able to finance a car immediately after discharge, rebuild to a 700 score within about a year with diligent effort, and even qualify for a mortgage in 2–4 years. 💡 Bankruptcy isn’t the end — it’s a reset butt