Many of our clients have come to us with concerns about their credit following their filing for a bankruptcy. We assure you that you will still get credit after the discharge. The bankruptcy will be on your credit report for 10 years following the filing, but during that 10 years, you will still be able to do such things as buy a house, finance a car, or get a credit card. In fact, you will likely receive credit offers soon after your discharge. This is because you no longer have your debt, and therefore, your debt-to-income ratio has significantly improved. Credit card and finance companies will realize that, unlike before your bankruptcy filing, you will be able to pay them back.