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.
Your bankruptcy will act as an immediate drag on your credit score, pulling it down by a couple of hundred points as soon as your debts have been discharged. Depending upon the laws in your state, this negative effect may last as long as 10 years. Once your bankruptcy filing is no longer a matter of public record, your credit score will enjoy a modest bounce.