ms. gonzalez: yes, senator. some of the big ones, the bankruptcy stays on your credit report for ten years. that stays on for ten years, which is a very long time. access to credit. it is not so much that someone who has filed for bankruptcy won't be able to access credit. it is that they will not be able to access credit -- they will be able to access credit at very high interest rates. so, someone who did not file for bankruptcy could get a car loan for not the lowest because their credit is not the greatest, 7%. after bank or see you are looking at a 22% interest rate for a car loan -- aftet bankruptcy. there is also a housing aspect to it. even though technically may landlords are supposed to use the filing of a bankruptcy as a reason to refuse to rent somebody, it is looked at in the context of the credit worthiness as a whole, whether someone is being -- is willing to pay their rent on time. in some cases employment is also affected. in my state, in california, there are certain job categories were an empl