Best Answer

yes you can !i know from experience that you can the day you leave the courthouse!!!!!!

User Avatar

Wiki User

โˆ™ 2006-06-05 11:16:19
This answer is:
User Avatar

Add your answer:

Earn +20 pts
Q: Can you obtain a mortgage after filing Chapter 7 if you just filed chapter 7 in December 2005 and are moving and your wife has good credit and can you both be put on the mortgage?
Write your answer...
Related questions

Mortgage lates after filing chapter 7 Can a mortgage company report lates after filing of a chapter 7 and before a discharge?

Yes. That reporting to a credit agency of an item of fact, is not an attempt to collect the debt. Your not expecting you mortgage debt to be discharged are you?

Is it possible to get a home equity loan while paying chapter 13?

No you can not get a home equity line of credit but you can refinance and pay off the chapter 13 with the new mortgage.

Can you get a mortgage loan after a recent Chapter 7?

Especially in todays credit environment, no. (Of course all credit decisions are in the hands of the lender).

Before discharge of a chapter 7 active bankruptcy can you apply for credit or will it affect you bankruptcy?

No legitimate commercial lender will grant you credit while you are in a Chapter 7. Any applications will be turned down and will adversely affect your credit score. The only possible credit situation would be a mortgage restructuring, if you are reaffirming the mortgage, and even then they prefer to wait until you are discharged.

When does chapter 13 come off credit?

Bankruptcies (both Chapter 7 and Chapter 13) remain on your credit report for 10 years.

How long does it take after a bankruptcy is discharged to show on your credit report?

The amount of time a bankruptcy stays on your credit report after discharge differs between Chapter 7 and Chapter 13 Bankruptcy. With Chapter 7 bankruptcy, the Chapter 7 stays on your credit report for 10 years. Chapter 13 bankruptcy, after discharge, it shows for 7 years on your credit report.

Does a chapter 7 bankruptcy affect your credit the same as a chapter 13?


If I own a home with a co signer and file a chapter 7 will their credit be affected?

If the mortgage payments are still being made then no - they won't be, however - if you default on the mortgage payments then yes - they will go after the cosigner and if it is not paid their credit will be effected.

How is your credit affected by a chapter 13 bankruptcy verses a chapter 7 bankruptcy?

Both have the same negative impact on your credit.

How long will a dismissed bankruptcy stay on your credit report?

i am A Mortgage Broker The Bankruptsy Never Leaves The VCredit Report But if You Are Trying To Do Something With Your Credit Banks Go off The Discharge Date * 10 years for a dismissed chapter 7 and 7 years for a dismissed chapter 13.

How long does a dismissed chapter 13 bankruptcy stay on your credit file?

A Chapter 13, whether it is dismissed or successfully receives discharge, is on your credit report for 7 years. A chapter 7 is on your credit report for 10 years. i called equifax and a discharged chapter 13 stays on for 7 years and a dismissed chapter 13 stays on for 10 years

If you filed chapter 13 bankruptcy 9 years ago will it come out if you apply for a mortgage loan?

of course it will, BKs are on a credit report for 10 years

How difficult is it to get a mortgage for people with a 720 credit score but with asylum status?

You should find a good Mortgage Broker, they have access to more mortgage options than a bank does. Check the National Association of Mortgage Brokers for information on you local state chapter. Call around!

Can i get credit card after filing Chapter 7?

I filed Chapter 7 last year and when I applied for a credit card this year I was denied and the reason was "bancruptcy".

Can I purchase another house if my house was discharge in chapter 7 but is not in foreclosure I'm still making my payments and living on it?

If your chapter 7 has been closed, yes - if you can find a lender for another mortgage. Your credit scores will have lowered because of the filing and discharge.

If your fiancee files a chapter 7 bankruptcy and you get married how will that affect you?

It will only become an issue if you apply for joint credit such as a mortgage, vehicle financing, and so forth.

How could you improve your credit score after filing Chapter thirteen and converting to Chapter seven once the Chapter seven bankruptcy has been discharged?

On my website, I have an article on 10 tips to rebuilding your credit after bankruptch:

How long does a chapter 13 stay on your credit report in Wisconsin?

A chapter 7 bankruptcy filing remains on your credit report for 10 years. Chapter 13 bankruptcy remains for seven years. Under chapter 13 bankruptcy you repay at least a portion of the debt, so it is removed a little sooner.

How long after filing chapter thirteen can you apply for credit?

One day. You can apply any time. However, your chapter 13 stays on your credit report for 10 years.

How long does a chapter 13 converted chapter 7 stay on credit report?

Ten years from the date of original filing.

Does chapter 11 affect your personal credit?


How long is chapter 7 on your credit?

10 years

Will it hurt your credit if one of your accounts on your credit report has filed chapter 13 but it is not yours but your ex-wife?

Yes. But not as bad as if you filed chapter 13 yourself. Not fair, eh?

If you convert a chapter 13 bankruptcy to a chapter 7 will this further affect your credit scores?

Yes converting a Chapter 13 to a 7 will further lower your credit score. It will show up on the public records section at the begining of the credit report. Once as an terminated chapter 13 and a second public record showing the filing of the Chapter 7. Each public record reduces your score. You can potentially be discharged from a Chapter 7 sooner and that's will be the time the clock will start ticking to eventually make it disappear from your credit report which I believe is 7 years for most derogatory entries

Can you eliminate your second mortgage by filing chapter 13?

You cant eliminate, but you can "strip-off" the 2nd mortgage if the house value is LESS than the 1st mortgage amount. In that case the 2nd mortgage would no longer be considered secured and would be treated as an unsecured creditor, like a credit card debt.

Study guides

Create a Study Guide