{"id":3811,"date":"2010-11-12T09:00:47","date_gmt":"2010-11-12T09:00:47","guid":{"rendered":"http:\/\/www.duncanlawonline.com\/?p=3811"},"modified":"2018-01-19T15:13:44","modified_gmt":"2018-01-19T20:13:44","slug":"chapter-7-chapter-13-bankruptcy-better-on-credit-report","status":"publish","type":"post","link":"https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\/","title":{"rendered":"Is A Chapter 7 or Chapter 13 Bankruptcy Better on a Credit Report?"},"content":{"rendered":"<p>[av_section min_height=&#8221; min_height_px=&#8217;500px&#8217; padding=&#8217;default&#8217; shadow=&#8217;no-shadow&#8217; bottom_border=&#8217;no-border-styling&#8217; id=&#8221; color=&#8217;main_color&#8217; custom_bg=&#8217;#d7d8ca&#8217; src=&#8221; attachment=&#8221; attachment_size=&#8221; attach=&#8217;scroll&#8217; position=&#8217;top left&#8217; repeat=&#8217;no-repeat&#8217; video=&#8221; video_ratio=&#8217;16:9&#8242; overlay_opacity=&#8217;0.5&#8242; overlay_color=&#8221; overlay_pattern=&#8221; overlay_custom_pattern=&#8221;]<\/p>\n<p>[av_heading heading=&#8217;Is A Chapter 7 or Chapter 13 Bankruptcy Better on a Credit Report?&#8217; tag=&#8217;h1&#8242; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; admin_preview_bg=&#8221;][\/av_heading]<\/p>\n<p>[\/av_section][av_video src=&#8217;http:\/\/www.youtube.com\/watch?v=auCKjDA3MfA&#8217; format=&#8217;16-9&#8242; width=&#8217;16&#8217; height=&#8217;9&#8242;]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; admin_preview_bg=&#8221;]<br \/>\nThis is a question we are asked all the time. Each bankruptcy attorney probably has his or her own opinion on which type of bankruptcy is best for your credit report. After filing thousands of bankruptcies over the years, we don\u2019t believe that there is that much, if any, of a difference between a <a title=\"Chapter 7 Bankruptcy Information\" href=\"https:\/\/www.duncanlawonline.com\/bankruptcy\/bankruptcy-types\/chapter-7-bankruptcy\/\" target=\"_self\">Chapter 7 bankruptcy<\/a> and <a title=\"Chapter 13 Bankruptcy Information\" href=\"https:\/\/www.duncanlawonline.com\/bankruptcy\/bankruptcy-types\/chapter-13-bankruptcy\/\" target=\"_self\">Chapter 13 bankruptcy<\/a>.<\/p>\n<p>Some attorneys argue that a Chapter 7 may be better because you can get a discharge more quickly that you can in a Chapter 13 bankruptcy. That, in turn, will allow you to have more disposable income that allows you to obtain more credit. On the other hand, other attorneys will argue that in a Chapter 13 bankruptcy you are paying back a portion of your debts, which will look better to a potential lender. The reality is, we haven\u2019t seen much of a difference at all.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignleft size-medium wp-image-8192\" src=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2015\/04\/Happy-Older-Couple1-300x199.jpg\" alt=\"\" width=\"300\" height=\"199\" srcset=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2015\/04\/Happy-Older-Couple1-300x199.jpg 300w, https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2015\/04\/Happy-Older-Couple1.jpg 425w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>The typical duration of a Chapter 7 bankruptcy filing usually lasts approximately four to six months from the time your petition is filed with the bankruptcy court until the time you receive your letters of Discharge of Debt and Final Decree.\u00a0 Once you receive your Discharge and Final Decree, you may immediately start to rebuild your credit.<\/p>\n<p>A Chapter 13 bankruptcy filing consists of a payment plan in which you are obligated to make a monthly payment to the Trustee\u2019s office so that the funds may be distributed amongst your creditors each month.\u00a0 The Chapter 13 bankruptcy filing usually lasts anywhere from three to five years and then you receive your letters of Discharge of Debt and Final Decree.<\/p>\n<p>A bankruptcy typically stays on your credit report for seven to ten years.\u00a0 After the seven-year point, you should contact the credit reporting agencies with a letter indicating that the item has been on your report for seven years and request the agency to remove the poor mark from your credit report. They could deny your request but we suggest that you at least try to get the bankruptcy removed.<\/p>\n<p>There\u2019s no doubt about it, bankruptcy will have a negative impact on your credit. Anyone who tells you differently isn\u2019t being completely honest with you. However, your credit probably isn\u2019t all that great immediately before filing the bankruptcy. Bankruptcy will give you the opportunity to get a fresh financial start and then rebuild your credit. Regardless of which type of bankruptcy you file, <a title=\"Rebuilding Credit After Bankruptcy\" href=\"https:\/\/www.duncanlawonline.com\/rebuild-credit-bankruptcy-6-steps-step-1\/\" target=\"_self\">rebuilding your credit<\/a> will take sticking to a budget and being purposeful in how you seek credit moving forward.<br \/>\n[\/av_textblock]<\/p>\n<p>[av_hr class=&#8217;default&#8217; height=&#8217;50&#8217; shadow=&#8217;no-shadow&#8217; position=&#8217;center&#8217; custom_border=&#8217;av-border-thin&#8217; custom_width=&#8217;50px&#8217; custom_border_color=&#8221; custom_margin_top=&#8217;30px&#8217; custom_margin_bottom=&#8217;30px&#8217; icon_select=&#8217;yes&#8217; custom_icon_color=&#8221; icon=&#8217;ue808&#8242;]<\/p>\n<p>[av_social_share title=&#8217;Share this entry&#8217; style=&#8221; buttons=&#8221; share_facebook=&#8221; share_twitter=&#8221; share_pinterest=&#8221; share_gplus=&#8221; share_reddit=&#8221; share_linkedin=&#8221; share_tumblr=&#8221; share_vk=&#8221; share_mail=&#8221;][\/av_social_share]<\/p>\n<p>[av_comments_list av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221;]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[av_section min_height=&#8221; min_height_px=&#8217;500px&#8217; padding=&#8217;default&#8217; shadow=&#8217;no-shadow&#8217; bottom_border=&#8217;no-border-styling&#8217; id=&#8221; color=&#8217;main_color&#8217; custom_bg=&#8217;#d7d8ca&#8217; src=&#8221; attachment=&#8221; attachment_size=&#8221; attach=&#8217;scroll&#8217; position=&#8217;top left&#8217; repeat=&#8217;no-repeat&#8217; video=&#8221; video_ratio=&#8217;16:9&#8242; overlay_opacity=&#8217;0.5&#8242; overlay_color=&#8221; overlay_pattern=&#8221; overlay_custom_pattern=&#8221;] [av_heading heading=&#8217;Is A Chapter 7 or Chapter 13 Bankruptcy Better on a Credit Report?&#8217; tag=&#8217;h1&#8242; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; admin_preview_bg=&#8221;][\/av_heading] [\/av_section][av_video src=&#8217;http:\/\/www.youtube.com\/watch?v=auCKjDA3MfA&#8217; format=&#8217;16-9&#8242; width=&#8217;16&#8217; &#8230; <a title=\"Is A Chapter 7 or Chapter 13 Bankruptcy Better on a Credit Report?\" class=\"read-more\" href=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\/\" aria-label=\"Read more about Is A Chapter 7 or Chapter 13 Bankruptcy Better on a Credit Report?\">Read more<\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"video","meta":{"nf_dc_page":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[6,28,7,8,9,10,30],"tags":[],"class_list":["post-3811","post","type-post","status-publish","format-video","hentry","category-bankruptcy","category-bankruptcy-video","category-chapter-13","category-chapter-7-2","category-credit","category-duncan-law-blog","category-video","post_format-post-format-video"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Is A Chapter 7 or Chapter 13 Bankruptcy Better on a Credit Report?<\/title>\n<meta name=\"description\" content=\"One of the most common questions we get is which type of bankruptcy is better for your credit. There are several different factors that should be considered when deciding between bankruptcies.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is A Chapter 7 or Chapter 13 Bankruptcy Better on a Credit Report?\" \/>\n<meta property=\"og:description\" content=\"One of the most common questions we get is which type of bankruptcy is better for your credit. There are several different factors that should be considered when deciding between bankruptcies.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\/\" \/>\n<meta property=\"og:site_name\" content=\"Bankruptcy Lawyers | Charlotte, Greensboro, Winston-Salem, Asheville, Salisbury &amp; High Point, NC\" \/>\n<meta property=\"article:published_time\" content=\"2010-11-12T09:00:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-01-19T20:13:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2015\/04\/Happy-Older-Couple1-300x199.jpg\" \/>\n<meta name=\"author\" content=\"Damon Duncan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Damon Duncan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\\\/\"},\"author\":{\"name\":\"Damon Duncan\",\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/#\\\/schema\\\/person\\\/f7b4948225deab021c8ba0edbea00655\"},\"headline\":\"Is A Chapter 7 or Chapter 13 Bankruptcy Better on a Credit Report?\",\"datePublished\":\"2010-11-12T09:00:47+00:00\",\"dateModified\":\"2018-01-19T20:13:44+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\\\/\"},\"wordCount\":614,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/wp-content\\\/uploads\\\/2015\\\/04\\\/Happy-Older-Couple1-300x199.jpg\",\"articleSection\":[\"Bankruptcy\",\"Bankruptcy Video Vault\",\"Chapter 13\",\"Chapter 7\",\"Credit\",\"Duncan Law Blog\",\"Video\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\\\/\",\"url\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\\\/\",\"name\":\"Is A Chapter 7 or Chapter 13 Bankruptcy Better on a Credit Report?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/wp-content\\\/uploads\\\/2015\\\/04\\\/Happy-Older-Couple1-300x199.jpg\",\"datePublished\":\"2010-11-12T09:00:47+00:00\",\"dateModified\":\"2018-01-19T20:13:44+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/#\\\/schema\\\/person\\\/f7b4948225deab021c8ba0edbea00655\"},\"description\":\"One of the most common questions we get is which type of bankruptcy is better for your credit. There are several different factors that should be considered when deciding between bankruptcies.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/wp-content\\\/uploads\\\/2015\\\/04\\\/Happy-Older-Couple1.jpg\",\"contentUrl\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/wp-content\\\/uploads\\\/2015\\\/04\\\/Happy-Older-Couple1.jpg\",\"width\":425,\"height\":282,\"caption\":\"Senior couple\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Is A Chapter 7 or Chapter 13 Bankruptcy Better on a Credit Report?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/#website\",\"url\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/\",\"name\":\"Bankruptcy Lawyers | Charlotte, Greensboro, Winston-Salem, Asheville, Salisbury & High Point, NC\",\"description\":\"Bankruptcy attorneys getting a fresh financial start for those in North Carolina.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/#\\\/schema\\\/person\\\/f7b4948225deab021c8ba0edbea00655\",\"name\":\"Damon Duncan\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0860bfb51834492373565e7f54c76f359af1bc371f1ee7145faa06c8d0a0538d?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0860bfb51834492373565e7f54c76f359af1bc371f1ee7145faa06c8d0a0538d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0860bfb51834492373565e7f54c76f359af1bc371f1ee7145faa06c8d0a0538d?s=96&d=mm&r=g\",\"caption\":\"Damon Duncan\"},\"url\":\"https:\\\/\\\/www.duncanlawonline.com\\\/staging\\\/8350\\\/author\\\/dlo\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Is A Chapter 7 or Chapter 13 Bankruptcy Better on a Credit Report?","description":"One of the most common questions we get is which type of bankruptcy is better for your credit. There are several different factors that should be considered when deciding between bankruptcies.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\/","og_locale":"en_US","og_type":"article","og_title":"Is A Chapter 7 or Chapter 13 Bankruptcy Better on a Credit Report?","og_description":"One of the most common questions we get is which type of bankruptcy is better for your credit. There are several different factors that should be considered when deciding between bankruptcies.","og_url":"https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\/","og_site_name":"Bankruptcy Lawyers | Charlotte, Greensboro, Winston-Salem, Asheville, Salisbury & High Point, NC","article_published_time":"2010-11-12T09:00:47+00:00","article_modified_time":"2018-01-19T20:13:44+00:00","og_image":[{"url":"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2015\/04\/Happy-Older-Couple1-300x199.jpg","type":"","width":"","height":""}],"author":"Damon Duncan","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Damon Duncan","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\/#article","isPartOf":{"@id":"https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\/"},"author":{"name":"Damon Duncan","@id":"https:\/\/www.duncanlawonline.com\/staging\/8350\/#\/schema\/person\/f7b4948225deab021c8ba0edbea00655"},"headline":"Is A Chapter 7 or Chapter 13 Bankruptcy Better on a Credit Report?","datePublished":"2010-11-12T09:00:47+00:00","dateModified":"2018-01-19T20:13:44+00:00","mainEntityOfPage":{"@id":"https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\/"},"wordCount":614,"commentCount":0,"image":{"@id":"https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\/#primaryimage"},"thumbnailUrl":"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2015\/04\/Happy-Older-Couple1-300x199.jpg","articleSection":["Bankruptcy","Bankruptcy Video Vault","Chapter 13","Chapter 7","Credit","Duncan Law Blog","Video"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\/","url":"https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\/","name":"Is A Chapter 7 or Chapter 13 Bankruptcy Better on a Credit Report?","isPartOf":{"@id":"https:\/\/www.duncanlawonline.com\/staging\/8350\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\/#primaryimage"},"image":{"@id":"https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\/#primaryimage"},"thumbnailUrl":"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2015\/04\/Happy-Older-Couple1-300x199.jpg","datePublished":"2010-11-12T09:00:47+00:00","dateModified":"2018-01-19T20:13:44+00:00","author":{"@id":"https:\/\/www.duncanlawonline.com\/staging\/8350\/#\/schema\/person\/f7b4948225deab021c8ba0edbea00655"},"description":"One of the most common questions we get is which type of bankruptcy is better for your credit. There are several different factors that should be considered when deciding between bankruptcies.","breadcrumb":{"@id":"https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\/#primaryimage","url":"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2015\/04\/Happy-Older-Couple1.jpg","contentUrl":"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2015\/04\/Happy-Older-Couple1.jpg","width":425,"height":282,"caption":"Senior couple"},{"@type":"BreadcrumbList","@id":"https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-7-chapter-13-bankruptcy-better-on-credit-report\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.duncanlawonline.com\/staging\/8350\/"},{"@type":"ListItem","position":2,"name":"Is A Chapter 7 or Chapter 13 Bankruptcy Better on a Credit Report?"}]},{"@type":"WebSite","@id":"https:\/\/www.duncanlawonline.com\/staging\/8350\/#website","url":"https:\/\/www.duncanlawonline.com\/staging\/8350\/","name":"Bankruptcy Lawyers | Charlotte, Greensboro, Winston-Salem, Asheville, Salisbury & High Point, NC","description":"Bankruptcy attorneys getting a fresh financial start for those in North Carolina.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.duncanlawonline.com\/staging\/8350\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.duncanlawonline.com\/staging\/8350\/#\/schema\/person\/f7b4948225deab021c8ba0edbea00655","name":"Damon Duncan","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/0860bfb51834492373565e7f54c76f359af1bc371f1ee7145faa06c8d0a0538d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0860bfb51834492373565e7f54c76f359af1bc371f1ee7145faa06c8d0a0538d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0860bfb51834492373565e7f54c76f359af1bc371f1ee7145faa06c8d0a0538d?s=96&d=mm&r=g","caption":"Damon Duncan"},"url":"https:\/\/www.duncanlawonline.com\/staging\/8350\/author\/dlo\/"}]}},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-json\/wp\/v2\/posts\/3811","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-json\/wp\/v2\/comments?post=3811"}],"version-history":[{"count":3,"href":"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-json\/wp\/v2\/posts\/3811\/revisions"}],"predecessor-version":[{"id":11375,"href":"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-json\/wp\/v2\/posts\/3811\/revisions\/11375"}],"wp:attachment":[{"href":"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-json\/wp\/v2\/media?parent=3811"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-json\/wp\/v2\/categories?post=3811"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-json\/wp\/v2\/tags?post=3811"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}