Chapter 13 does not remain on your credit report as long as Chapter 7. Generally Chapter 13 is considered a less harsh remedy as it remains on your credit report for only 7 years from the filing date . Chapter 7 has a more harsh effect as it remains on your credit report for 10 years. In some instances a Chapter 13 that is later dismissed or not completed can also remain on your credit report for 10 years.

How long does bankruptcy stay on your credit report?

Direct answers to that question from the three major credit reporting agencies are provided below.

1. Experian 
http://www.experian.com/blogs/ask-experian/2012/11/07/the-difference-between-chapter-13-bankruptcy-and-chapter-7-bankruptcy/

2. Equifax 
https://help.equifax.com/app/answers/detail/a_id/164/kw/Bankruptcy/related/1

3. TransUnion 
http://www.transunion.com/personal-credit/customer-support/faqs/credit-basics.page

If you decide to retain us, the initial consultation services will be included in the fee quoted to you, which will be contained in a separate contract signed when you retain our office.

*We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.