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After filing bankruptcy or credit will be in the tank for the first few years. This makes it difficult to get mortgages, leases, personal loans and other needed credit. Some even question the integrity issues involved with those who file Chapter 7 bankruptcy and do not attempt to settle with or repay creditors at least a portion of what they have owed. The integrity of a person will generally determine the end results of a good or a poor standing before lenders in financial matters. When considering options for fiscal relief, always check with several sources for comparative and thorough information that can help in making decisions that will affect the future.