Heeellllo! Chapter 11 and 13 bankruptcy have been the same for years. Can't remember which is which, one is restructuring debt, the other writes it off. Been that way for years. How long it hangs around your neck is up to the people who report your credit. Just because (in theory) a black mark "expires" after a period of time in terms of hurting you, doesn't mean its wiped from the record.

Its like not getting a job you thought you had cinched. You wonder why it went south, you will never know unless you know somebody on the inside. For example:

Guy needs to hire a secretary, has 3 qualified candidates. Can't decide which one to hire so he gives them an honesty quiz. Something like this: "if you accidently got paid too much on a paycheck, what would you do?"

Candidate A: "give the money back"
Candidate B: "keep it"
Candidate C: "invest until the error was discovered, then give money back, keeping any profit"

Which one was hired?

Answer: the one with the big tits.

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