As far as remember goes they mean the exact same thing. Recordar algo = Acordarse de algo. Acordarse  needs the de recordar doesn't. Recordar also can mean to remind and acordar to agree.
Typically Bankruptcies will stay reported on your Credit Report for 10 years (per Fair Credit Reporting Act (FCRA) ). However, fortunately, most of the Credit Reporting Agencies will remove then after 7 years has passed.
On your Experian credit report, information about lawsuits or judgments against you can be reported for seven years, or until the statute of limitations runs out, whichever is longer. Late payments, one of the most common instances of negative information, can be reported for up to seven years.