The filing of a bankruptcy will have some adverse effect on your credit record. However, a credit record is not simply one particular entry, but rather a history of your credit over a period of several months or years. For example, if you are slow at paying your bills and are receiving collection notices from creditors, this will be reflected on your credit report. In any event, you have the right under the Fair Debt Collection Practices Act to file with the credit reporting agency a statement on your own behalf explaining your financial difficulties and your reason for filing bankruptcy if you so desire. Please be aware that a bankruptcy filing will not “expunge” your credit record, and that adverse credit entries occurring before bankruptcy filing may continue to be shown on the credit report after filing.