My question involves bankruptcy in the state of: California
Back in 2013, my wife and I hired a Bankruptcy Attorney to assist in our filing for bankruptcy. We went ahead and pursued filing for Chapter 13. We had filled out paperwork and the attorney submitted them on our behalf. We got to the point of showing us what the proposed payment plan was and scheduled a meeting with the trustee and creditor(s). My wife and I had a deep discussion and we decided just work with our creditors on our own (quite frankly, we weren't happy with the attorney that we were working with and thought that the proposed payment plan wasn't really a good solution for us). We told our attorney that we were not going to go through with our Chapter 13 and that we will just resolve the debts on our own. The attorney just said OK and never told us anything else. Years later I happen to find out that the bankruptcy is now reflected on our credit report. Can someone tell me if it is being reflected because we had started the process and submitted paperwork already even though we never went through a payment plan? Can this be corrected or is it one of those things where the record is already there and we will just have to go through the 7 or 10 years that it takes until it disappears from my credit report?