I’ll echo richardhenry’s advice and add:
Stateside, the filing will stay on your credit history for a minimum of 7 years (and up to 10 years); if you’re credit is very bad, filing may actually incrase your credit score, but the filing will have long-lasting implications as to applying for new credit, loans, and anything that references your credit file (moving to a new apartment, for example).
There are a lot of articles on the internet that may offer alternative solutions and additional information…here’s one
btw, a lot of those sites are also trying to solicit their services (beware)...good luck.
@RH-nice work this evening :) thanks for the nice compliment in the other thread