When will I be able to get a credit card, loan, car and/or mortgage after Bankruptcy?

You can apply for credit cards, loans and car loans right after discharging debts in Chapter 7 bankruptcy. However, the rates may not be ideal. You can apply for a mortgage 2-3 years after discharging as well.

Please keep in mind that Chapter 13 is a much longer process than Chapter 7, and you typically cannot get new credit approved while you are in it (that vast majority of Chapter 13 plans run 5 years).

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