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If you file ANY of a bankruptcy, consumer proposal, debt management plan or do a debt settlement, a not will appear on your credit report that can negatively impact your credit. In general: a first bankruptcy will remain on your credit report for six years (Equiax) or seven years (TransUnion) after you are discharged; a consumer proposal (or debt management or debt settlement plan will remain on your credit report for three years after all of your payments are completed.
Chapter 13 Bankruptcy. The bankruptcy itself and the debts associated with the bankruptcy will be displayed differently on your credit report. A completed Chapter 13 bankruptcy will stay on your report for up to seven years, and discharged debts will also stay on the report up to seven years after they are discharged.hapter 7 Bankruptcy. A completed Chapter 7 bankruptcy will stay on your credit report for up to ten years. Moreover, because all debts associated with a Chapter 7 bankruptcy are discharged within a few months of filing, they should drop off the report a few years before the bankruptcy itself.