Can Bankruptcy Remove a Repossession From Your Credit?

A free guide for Missouri/Kansas residents considering bankruptcy. Filed in W.D. Mo. / D. Kan..

What You Need to Know

Bankruptcy does not remove a repossession entry from your credit report. However, filing bankruptcy discharges the deficiency balance -- the amount you still owe after the repo and sale. Your credit report should show the balance as $0 after discharge. If it still shows a balance, dispute it with the credit bureaus under the Fair Credit Reporting Act. The repo notation itself remains for 7 years.

Filed in W.D. Mo. / D. Kan.. Courthouse: 400 E. 9th St, KC MO / 500 State Ave, KC KS.

Frequently Asked Questions

Can Bankruptcy Remove a Repossession From Your Credit?

Bankruptcy does not remove a repossession entry from your credit report. However, filing bankruptcy discharges the deficiency balance -- the amount you still owe after the repo and sale. Your credit report should show the balance as $0 after discharge. If it still shows a balance, dispute it with the credit bureaus under the Fair Credit Reporting Act. The repo notation itself remains for 7 years.

Does this apply in Missouri/Kansas?

Yes. This applies to W.D. Mo. / D. Kan.. Local trustee practices may vary. Consult a qualified attorney.

Where is the courthouse?

400 E. 9th St, KC MO / 500 State Ave, KC KS.

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