Framed Surname History and Coat of Arms. Find us on Facebook. The prestigious surname Saenz originated in Spain. The earliest forms of hereditary surnames in Spain were the patronymic surnames, which are derived from the father's given name, and metronymic surnames, which are derived from the mother's given name. Spanish patronymic names emerged as early as the mid-9th century and the most common patronymic suffix is ez.
A bankruptcy will remain on your credit report for 10 years, in the case of a Chapter 7 bankruptcy, or seven years, if you filed Chapter 13.
A Chapter 13 bankruptcy filing can remain on your credit history for up to seven years. Typically, filing bankruptcy can cause your credit score to drop anywhere from 100 to 200 points. If you and your spouse file Chapter 13 jointly, you can expect both of your credit ratings to be affected.