Who makes you re-affirm? The court or the creditors? Will creditors be pub. record?

[Genenco]

I'll have to wait 10 years then before I can tell people that I didn't go BK. That part will suck.

Well, those that are your friends, won't care and those that care, are not your friends.

Look at the news, 1 MILLION people are filing (Or more) bankruptcy every year. No, most didn't go out and party down, they bought with the belief that things will increase...Hoo-hah! That's what you get for beileving in that sort of stuff..

Market cycles being what they are, creditors holding back the cash the gov gave them to hand out for loans, suppliers cutting down orders, customers forgoing that next order till absolutely needed...

The chain was broken sometime ago, we're just now feeling the effects of it whipping back at us and the creditors also are feeling it slap them around too.

[Flamingo]

I'll have to wait 10 years then before I can tell people that I didn't go BK. That part will suck.

There are employment applications and other applications out there that ask "Have you EVER filed bankruptcy?" 10 years is for credit reports; creditors that you included in your bankruptcy have it on their records forever since you were a former cardholder, mortgagee, etc. and anyone looking for your name/SS specifically looking to see if you ever filed BK can always find it in the public records. Doesn't matter what state you are in. The same thing goes for arrests, births, divorces, property transfers, etc., etc. It's public information that remains forever.

[debtmonster]

I guess I'll have to use a fake SSN then... that will royally suck. I'll have to live like an illegal alien.