Legal Question in Bankruptcy in New York

When is the bankruptcy charged off?

I had a bankruptcy Jan 1995 that is when it was filed, the judge signed it 1996. Ten years from which date should it be off my report? I filed chapter 7 it was for less then 10,000 should the judge had waited so long ? what is the legal time he should have signed it?

Thank you for all your help.


Asked on 11/24/04, 6:20 pm

1 Answer from Attorneys
Frank Loscalzo Law Office of Frank Loscalzo

Re: When is the bankruptcy charged off?

A chapter 7 bankruptcy can be reported on your credit report for 10 years from the date of filing. In your case, that is the January 1995 date. Therefore This February, you should obtain credit reports from Equifax, Experian, and Trans Union, and if the bankruptcy is still being reported, you should request that it be deleted as obsolete.

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Answered on 11/25/04, 9:42 am


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