I filed in 2007 and quite frankly, I cannot wait until 2017 to see this completely removed from all my CR's. Ten year's is SOOOOOOO much longer than the unbearable seven for most derogs. Think about it, it's almost 50% longer, and not counting your childhood or teenage year's, stays with you for about 1/5th of your entire adulthood. Even to this day, being 8 year's old, it still affects my ability to get some CC's and rent in some places. It's like a very dark cloud that's always there. No matter what you apply for, questions are always asked, and in many cases, regardless of your score, you'll be declined. CH 7 should not be taken lightly, and used in cases where there's absolutely no other way out of debt. In my case, I was involved in a business with a really bad partner and was on the hook for over 2 million in personal guarantees. I had no way of ever paying this debt once we split and the company was dissolved. Not trying to talk you out of it, but letting you know this course of action will follow you for a long time in one way or another. Best of luck.
Starting Scores in BK13: EX521,TU537,EX520