Is Ambien a narcotic? No, Ambien is not classified as a narcotic in the U.S. According to the Drug Enforcement Agencyâs (DEA) classification under the Federal Controlled Substanceâs Act (CSA), Ambien is a Class IV substance on par with other prescription medicines.
This is how it ends up on your reports. Most negative entries can stay on your credit reports for seven years. The only event that can stay longer than that is a bankruptcy filing, which can remain for up to 10 years. Home foreclosure is a legal process. Whether or not it actually goes before a judge will depend on the laws of your state.
How Long the Bankruptcy Will Stay on a Credit Report. The type of personal bankruptcy you file will determine the length of time the negative item will remain on your credit report. A Chapter 7 bankruptcy will stay on your credit report for 10 years, while Chapter 13 bankruptcy will remain for 7 years.Explore Alternatives to Bankruptcy. Licensed credit counselors can help you analyze your personal situation, review your debts and determine the type of repayment plan that is most feasible.here are different types of personal bankruptcy, and each type will impact your credit report and your finances differently. With Chapter 7 bankruptcy, a person does not repay any debts included in the filing.