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Many people fear that, because a bankruptcy is referenced on their credit reports, the bankruptcy has a negative impact on one's ability to borrow. Obviously, a bankruptcy is not a positive mark on one's credit, but you have to consider your whole credit picture. By the time somebody files a bankruptcy, his or her credit report usually looks pretty bleak. The bankruptcy cleans up past problems and allows you to start building your credit again.

If you have income, it is often possible to get credit cards and car loans shortly after your discharge. It is even possible to get a home mortgage after as little as one year following a discharge. Many of these same people would not have been able to obtain this credit without getting rid of their old debt by filing for bankruptcy.

All personal bankruptcy filings in the United States are part of the public record. In many jurisdictions, personal bankruptcy notices are printed weekly in the local newspapers.

Donna Hopkins, Lydia Green, Lydia Obrien, Andrew Coleman, Miguel Wells, Lucille Campbell, Melissa Pope, William Norton, Lauren Taylor, Brian Garcia, Lawrence Vaughn, Tom Kennedy, Fred Santos, William Lindsey, Nancy Jones, Steven Byrd, Scott Bowman, Robert Woods, Daniel Fleming, Erin Burke, Andrew Sanchez, Anne Barnes, Harold Robinson, Donald Brown, Jordan Simmons, Viola Parsons, Don Martinez, Marion Allison, Jeffrey Barker, Pamela Terry, Clifford Robinson, Willie Hall, Janet Moore, Diane Howell, Sandra Murphy, Mark Ray, Lisa Larson, Larry Collins, Gail Moore, Howard McCoy, Ryan Lopez, Jessica Smith, Kimberly Goodman, Jessie Alvarez, Lillian Henderson, Christopher Jackson, Matthew Sullivan, Mary Bowman, Daniel Sharp, Juan Simmons, Kathy Rodriquez, Anthony Hunt, Christine Kelley, John Morris, Betty McGuire, Guy Blake, Michael Hanson, William Adams, Robert White, Eric Ward, James Johnston, Judy McCoy, Ellen Dawson, Robert Porter, Annette Holt, Anita Howard, Karen Schultz, Helen Lewis, Terry Miller, Mark Duncan, Renee Price, Joseph Hernandez, Barbara Walters, James Garcia, Mary Torres, Billy Gonzalez, Jerry Morris, Tara Carter, Sandra Sanchez, Christopher Bishop, Wendy Lawson, Michael Ballard, Alex Morales, Mary Brown, Joe Watkins, Stella Williams, John Curtis, Irene Pena, David Wade, Alan James, Kevin Morton, Tina Morgan, Ruben Wilson, Ashley Gray, Jennifer Rodriguez, Russell Moreno, Jill Hodges, Timothy Lopez, Bradley Davidson, Stacey Ross

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