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The Watercooler
advise about bankruptcy
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<blockquote data-quote="AnnieO" data-source="post: 367239" data-attributes="member: 6705"><p>I did this in 1997. It's supposed to be 7 years but doesn't actually fall off your credit report till 10. It does wipe everything out, but you may lose stuff like vehicle(s), house, etc. They can demand anything of value. I had to prove my car wasn't worth squat! And since I had an apartment, no home.</p><p> </p><p>When I tried to get a car in 2004 - 7 years, 2 months after - I could not get a loan AT ALL. The loan ended up in my Dad's name, the car in mine. AND... Then the loan ended up on my credit report, because I was making the payments.</p><p> </p><p>I was able to get a secured credit card, too.</p></blockquote><p></p>
[QUOTE="AnnieO, post: 367239, member: 6705"] I did this in 1997. It's supposed to be 7 years but doesn't actually fall off your credit report till 10. It does wipe everything out, but you may lose stuff like vehicle(s), house, etc. They can demand anything of value. I had to prove my car wasn't worth squat! And since I had an apartment, no home. When I tried to get a car in 2004 - 7 years, 2 months after - I could not get a loan AT ALL. The loan ended up in my Dad's name, the car in mine. AND... Then the loan ended up on my credit report, because I was making the payments. I was able to get a secured credit card, too. [/QUOTE]
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