Legal Question in Bankruptcy in California

Removal of Bankruptcy from Credit Report

I am 22 years old and last September I filed Chapter 13 Bankrupty in order to eliminate $20,000 of secured (automobile) and unsecured (credit card) debt. I was curious if there would be any possible way down the road to erase my Chapter 13 from my record so that if quesioned on a job application, I would not be committing perjury by saying that I had never filed. Also, I have heard myths that a person can actually start a new and different credit report after Bankruptcy. Is ther any truth to this? Thank you very much for your assistance.


Asked on 3/05/03, 4:32 am

2 Answers from Attorneys
Alvin Tenner Law Office of Alvin G. Tenner

Re: Removal of Bankruptcy from Credit Report

The new crdit file is illeagle. Just tell anyone who asks, that you were young and got in over your head. You have learned your lesson.

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Answered on 3/06/03, 1:49 pm
Robert Miller Robert L. Miller & Associates, A Law Corporation

Re: Removal of Bankruptcy from Credit Report

Thanks for your posting.

There is no way to remove a bankruptcy from your credit report, other than wait the 10 years for it to drop off your report.

Bankruptcies are a public record, and as long as the court has the record of bankruptcy, it will show up when a credit reporting agency gathers data from that court.

I would be very skeptical of anyone that promises to you that you can remove a bankruptcy from your credit report.

I hope that this information helps, but if you have other questions, want more information, or feel that you need legal help, please feel free to email me directly at [email protected].

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Answered on 3/05/03, 3:46 pm


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