Q: Was discharged from Chap.7 in December 2009. How long do I have to answer "yes" to the question about have I ever filed
A: You didn't indicate who is asking that question, but the answer is probably "forever".
A:
A Chapter 7 bankruptcy can appear on a credit history for ten years. The ten-year clock starts ticking when the bankruptcy was filed.
If you’re giving a sworn deposition or applying for a job or loan, you should admit the bankruptcy forever. That being said, after a bankruptcy disappears from your credit history, there should be no way for anyone to find out. So if a court, government agency, employer or lender doesn’t ask that specific question, there’s no reason to volunteer the information. But if they do, you should be honest.
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