Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Question about bankruptcy? - Ch. 13 bankruptcy will stay on your record for 7 years. Someone also told me 5-7 years. br Question #1-Is there a way to have your bankruptcy record not last as long if youve paid a some of it back. br Question #2-If so, what is least amount of time it can potentially stay on your record depending on how much money you pay back. br Not in debt, but very interested in how this works.