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Bankruptcy dismissed

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linkjmi



Joined: 11 Aug 2009
linkjmi's page
Posts: 6



227 Magic Points

Subject: Bankruptcy dismissed
 
Posted on Tue Apr 13, 2010 6:03 pm  

In I had 2005 filed for bankruptcy and later had it "dismissed". My question is how long will my "dismissed" bankruptcy stay on my reports? And what harm comes of a "dismissed" case seeing how the bankruptcy was canceled?
NightStar



Joined: 10 Mar 2010
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Posts: 142
Location: Illinois


3176 Magic Points

 
Posted on Tue Apr 13, 2010 9:44 pm  

Dismissed or not, you can't have the bankruptcy removed early, it will still go 7 years for a dismissed chapter 13 or 10 years for a dismissed chapter 7.

It will look better that you canceled the bankruptcy and dealt with the creditors, if that is what you did.

I learned about this, because i would view consumer reports, and see other cases where a consumer filed chapter 13, then had to dismiss it to upgrade to a chapter 7. Same rules applied in that situation too.
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Aaron

Aaron

Joined: 08 Feb 2010
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48565 Magic Points

Subject: dismissed bankruptcy
 
Posted on Wed Apr 14, 2010 6:06 am  

Hi,

How long will the dismissed bankruptcy stay on your credit report depends on the chapter of the bankruptcy. For Chapter 7 the discharged or dismissed bankruptcy stays on your credit report for 10 Years. However, for Chapter 13 it stays for 7 Years after discharge or dismiss on your credit report.

You can't remove the bankruptcy from your credit report though it has been dismissed. Any company claiming that they can remove your bankruptcy from your report is a scam. So beware.

Thanks,

Aaron
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Janno
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Subject: IEpnbnfxvvfWIneYtGOP
 
Posted on Sat Aug 31, 2013 1:15 pm  

I would start off by contacting the horelds of your cards and asking them if they will reduce your interest rates. They might, but not voluntarily. They surely won't, if you don't ask!Secondly, I would divide that $1,000 between both cards to pay down the balances. If you could take out a secured loan, you'd have that interest on top of your credit card interest compounding the issue. If you default, you lose your security and are still responsible for the balance.With a Bankruptcy only 3-4 years old, I doubt you could find affordable financing, if any, for the vehicle. Of course, you'd be paying full coverage Insurance on the vehicle, until the Lien Holder (finance company) is paid off.Pay down your debt!
crorkz matz
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Subject: reDMFbcvexZL
 
Posted on Tue Aug 05, 2014 4:58 pm  

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