Effectively, more like 10 years. Getting paperwork together took a while, medical bills arrive at odd times, often delay of six months. About 60 days for the a

Effectively, more like 10 years. Getting paperwork together took a while, medical bills arrive at odd times, often delay of six months. About 60 days for the actual bankruptcy to go through (the “Discharge Date”). Then another 60 days as the bankruptcy is recorded on the credit record. It says here that public records will be automatically dropped from my credit file after the appropriate interval. No action required. That would be 12 months from now. I wonder if that will actually happen. Note that bankruptcy shows on a credit report, so if you are applying for a job, or trying to rent a flat, you are going to be asked about it. And so on. I strongly advise against having a medical crisis. Stay normal as long as possible. Good luck.