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.
As noted above, while Chapter 7 stays on your report for 10 years, it's affects are minimal after 2-3 years if the debtor makes regular payments during that time. I am a bankruptcy attorney and have seen numerous debtors with high credit scores even though a bankruptcy remains on their record.