Framed Surname History and Coat of Arms. Find us on Facebook. The prestigious surname Saenz originated in Spain. The earliest forms of hereditary surnames in Spain were the patronymic surnames, which are derived from the father's given name, and metronymic surnames, which are derived from the mother's given name. Spanish patronymic names emerged as early as the mid-9th century and the most common patronymic suffix is ez.
A bankruptcy will remain on your credit report for 10 years, in the case of a Chapter 7 bankruptcy, or seven years, if you filed Chapter 13.
Chapter 13 bankruptcy plans last three to five years, so if your first bankruptcy was a Chapter 13, this can have a big effect on the waiting period. Because the clock begins ticking with the date of your filing, not the date of your discharge, you could refile right away.