Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - How long does the banks punish u for filing bankruptcy? - Files chapter 7 and the credit union makes my husband who didn't file and is the main account holder and my self come inside and wait until they call someone in the back about an payment on car,mortgage and the credit card witch i file on not him.He hasn't missed a payment or been late on either of the payment i file only on the credit cards my name was on only i had to file on the one they put my name on with my husband. He is disable i am the only one works, but he do get an disable check -