Filing a bankruptcy may negatively affect your credit report and rating and could negatively affect the credit report and rating of a co-debtor. A bankruptcy attorney is not responsible for any problems with any credit report as a result of filing a bankruptcy and has no direct control over how debts are reported. Under current law, Credit Reporting Agencies may note a Chapter 7 Bankruptcy on a credit report for up to 10 years or a Chapter 13 Bankruptcy on a credit report for up to 7 years. Beware, however, that even after the 10 or 7 years have expired, banks and other lenders may still ask whether a bankruptcy has ever been filed bankruptcy, at any time, as a part of a loan application. The legal services supplied by a bankruptcy attorney normally do not include efforts to remove negative or false information from credit reports, without payment of an additional fee. Credit Reporting Agencies each publish procedures that may be followed for the removal of negative or false information on credit reports.