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Bankruptcy can affect your creditworthiness for 7 years. This is a very long time to wait for a car loan, a mortgage, or lower interest and fees credit cards. Bankruptcy can affect more than just loans. Many different organizations look at bankruptcy in a negative way long-term, which is why we suggest exploring a Debt Management repayment plan before you make this decision. That being said, if bankruptcy does end up being your only recourse, we offer the filing requirements you need to get through this