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

Most people don’t realize that Chapter 7 bankruptcy is actually about a 3-month process. Here’s what it really looks like 👇 We start with a free consultation to see if you even qualify. If you do, we gather your information and prepare your petition — this is the detailed paperwork that outlines your income, assets, debts, and financial picture. It’s thorough, but that’s how we make sure everything is done correctly and nothing is missed. Once the petition is filed, you’re assigned a date for y