Doornail see a lot more action.

Deader than a doornail.

not credit card, it was all to do with Carfinco, but all settled now..sooner take the 7 years then give them a dime

Are you talking of credit card history clean up? or what? If it's about the credit card, bankruptcy will put an end for your debt and give a specific time to clear up all the debts. But the bankruptcy details will be there on your credit history for another 7 years. This link might help you: http://www.billfixer.com/learn/#debts

Just a question here, if claim personal bankruptcy, how long does it take before your slate is cut clean?