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3 common myths about bankruptcy

On Behalf of | Mar 20, 2023 | Bankruptcy

If you are in high debt that you can’t pay, it may be time to file for bankruptcy. Doing so prevents creditors from calling you, as it can temporarily or permanently relieve your debts. Further, this can give you peace of mind since you will no longer be anxious about calls or receiving mails. Thus, it will help to know which bankruptcy type is right for you and file.

However, bankruptcy is associated with several myths, which can keep you from filing, worsening the issue. Here are three common ones.

Your credit score can’t improve

Undoubtedly, bankruptcy will stay on your credit report for years. A Chapter 7 bankruptcy stays for 10 years, and a Chapter 13 one can stay for seven years. However, this does not mean your credit score can’t improve, or the effects are permanent.

Being reported on your credit report is different from negatively impacting your credit. In fact, you may get credit card offers after a few weeks of declaring bankruptcy. When you start paying back your credit card on time, your score can improve sooner than you thought.

You can’t own anything

Another myth is that those who file for bankruptcy can’t own anything. You can own a house, land, vehicle, business and any other thing you want after filing for bankruptcy.

Your spouse has to file, if you are married

If you want to file for bankruptcy because of a debt in your name, your spouse doesn’t have to file. However, if you share the debt, both of you should file for bankruptcy.

Filing for bankruptcy is one of the most sensitive decisions you can ever make. It will be best to learn more about it to make the right moves.   


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The Law Office of Kim Covington, is a woman owned debt relief agency, and I have helped families, individuals and small businesses, file for bankruptcy relief under the U.S. Bankruptcy Code, for over 24 years.