I suppose it depends on if they ask...
A chapter 11 bankruptcy is unusual for an individual. It is generally a reorganization of a business, which can be a sole proprietorship but that's not very common. Did you file Chapter 11 as an individual? Or was the Chapter 11 for a corporation or LLC that you owned?
What else could it have been? 13? I'm an individual, all my debt was consolidated and i paid a trustee
As you were told above, you have to provide truthful responses. Whether it's on your credit report or not has no bearing on the fact that it occurred.
The answer has to be yes.
If you're asking whether you'll be required to disclose it to a potential mortgage lender or other person/entity from whom you seek an extension of credit, that that will depend on exactly what questions you are asked and is not a matter of law.
A Chapter 13 case is a personal reorganization. It's somewhat similar to a Ch. 11, which, as "Taxing Matters" noted, is typically used only by business entities seeking to reorganize. It would behoove you to know what Chapter your case was filed under.
The answer to that is yes. Federal law limits how long bankruptcy records may stay on your credit report but does not limit how far back a potential lender can ask for, or take into account, your bankruptcy in making a lending decision. Most creditors give fairly little weight to old bankruptcies and instead put much more emphasis on your more recent credit activity. So disclosing it likely wouldn't have that much effect on the vast majority of the applications you make. Regardless, if they ask about bankruptcy, you can't answer "no" now that it's off your credit report. Doing that may amount to fraud. Note that while they can't find out about it from a credit report, there are other ways to find it, notably by doing searches of bankruptcy court records.
It could have been a Chapter 7 or a Chapter 13. There are several choices of bankruptcy that can apply to individuals, after all. It's just rather unusual for an individual to do Chapter 11, which is what prompted my question. The reason for my question is that if was a corporation or LLC that actually did the bankruptcy rather that you personally, that would affect how you'd answer the bankruptcy questions by the creditors.
turns out it was a ch 13
That would make sense. And given that it was a 13, my earlier answer on how to respond to questions about bankruptcy is unchanged.
Huh? What does that have to do with the opening post?
Although “yes” on its own is not a bad answer to the original question (it repeats what was said previously by others), you should not have tried to “wing it” by adding more.
I'm figuring spam seed. You?