It comes off the credit report in ten years.However, sometimes you"may"be asked on an application if you have ever filed for BK. Filing BK will not destroy your credit for life...The initial effects will be bad for about two years...after that...your credit score will start to go up.In terms of catastrophic effects...filing for BK"might"effect you if you are in certain professions..ie accounting/finance...like being a CPA (filing for BK when you are a CPA would not look good)..Same issue with being a certified financial planner or stock broker. If you work for the government and need a Top Secret clearance...filing BK might be an obstacle.....In the vast majority of cases...filing for BK should not be an issue. ------
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