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Yeah, there are companies that handle that. First thing is see what your credit score is. If it's above 500, you should be able to get something. Below that, it's a really rough call.
Answer yesYes, if it has been discharged it is easier. you can only file it once so the banks know you can't do it again so you are a lower risk for fileing bankruptcy. Strange but true.
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If you file bankrupsy will you be able to get a home mortgage?
can i get a mortgage if i filed bankrupsy a year ago
If it has been ten years since my bankruptcy filing must I reveal that I have filed for bankruptcy in the past if asked for credit purposes?
It is never a good idea to lie on a credit application, so if it asks if you ever filed bankruptcy, you can't say "No" just because the 10 years expired. However, most credit apps say "Have you filed bankruptcy in the past 10 years," in which case you could answer "no" since it has been over 10 years since you filed. And, even if it does ask if you have ever filed and you say "yes," it is unlikely that a bankruptcy from over 10 years ago will have much if any effect on your ability to get the loan. Every mortgage lender I've asked has said that after two years from the filing date of a bankruptcy, the bankruptcy is no concern. Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts and law, which I do not warrant, and I am not suggesting any course of action or inaction to any person. Speak to a lawyer for specific advice. If you have any questions, please refer to a lawyer in your jurisdiction. Thanks!
If you filed bankruptcy last 5 yrs ago can you go for refinancing?
You can try, but with a recent bankruptcy it won't be very advantageous to do so.
If you filed for bankruptcy four years ago while previously married and you remarry how will it affect your new spouse's credit?
It will have no affect on her credit. Only the person(s) who are a party to a bankruptcy have it noted on any crediting reportage.
If a car is repossessed what happens if you filed bankruptcy over 5 years ago?
Let me get this straight. You filed B/K over 5 yrs. ago and the car was/is repoed recently? If this is correct, the car will be sold and the lender will want you to pay the balance still owed.
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
If you had a foreclosure two years ago and filed a chapter 13 bankruptcy last year that was dismissed when will you be able to get a new mortgage?
In theory you can get a new mortgage anytime, but it is going to be more dependent on your credit score, how much equity you have, and your mortgage payment history over the past 12-months. Your grading will be determined by how long ago you filed the BK and how long ago the foreclosure was filed, but you should be able to qualify for a new mortgage loan.
If one spouse filed chapter 7 bankruptcy 10 years ago and the other spouse filed five years ago can you file again jointly?
No.
If you filed for bankruptcy 9 years ago can your disability lump sum be garnished?
No, I believe Bankruptcy goes off your record in 7 years. Check the law in your state.
If you filed for Chapter 7 Bankruptcy 7 years ago when you were married can you refile again now that you are single?
Never
If you file bankrupsy will you be able to get a home mortgage?
can i get a mortgage if i filed bankrupsy a year ago
If you filed bankruptcy four years ago and remarried can you file joint bankruptcy now?
It is possible for the married couple to file a chapter 13 or in some instances a chapter 11.
Can a person who filed bankruptcy 10 years ago co-sign for you?
That decision is up to the creditor who is considering grantin you credit. It really depends on what they have with their credit since filing for bankruptcy.
You filed business bankruptcy 5 years ago Can you file now on another business?
Presuming it was a business, not you, that went BK., YES.
Can a Government official come and collect on a student loan that was filed in bankruptcy over 15 years ago?
Ugh. This question is a loaded minefield. I will say this, that up until 1996, you could discharge a student loan in a bankruptcy if it was over 7 years old. Was your past student loan discharged in the past bankruptcy? It's hard to say. You need to inform them that you filed bankruptcy 15 years ago and plead your filing as an affirmative defense. You may have to re-open your old bankruptcy case and litigate the issue. Do speak to an attorney.
Can you file an adversary proceeding for a discharge of your student loans if you filed bankruptcy 6 years ago?
It's my understanding that student loans are not discharged by bankruptcy any longer. YOu should check this, though
If it has been ten years since my bankruptcy filing must I reveal that I have filed for bankruptcy in the past if asked for credit purposes?
It is never a good idea to lie on a credit application, so if it asks if you ever filed bankruptcy, you can't say "No" just because the 10 years expired. However, most credit apps say "Have you filed bankruptcy in the past 10 years," in which case you could answer "no" since it has been over 10 years since you filed. And, even if it does ask if you have ever filed and you say "yes," it is unlikely that a bankruptcy from over 10 years ago will have much if any effect on your ability to get the loan. Every mortgage lender I've asked has said that after two years from the filing date of a bankruptcy, the bankruptcy is no concern. Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts and law, which I do not warrant, and I am not suggesting any course of action or inaction to any person. Speak to a lawyer for specific advice. If you have any questions, please refer to a lawyer in your jurisdiction. Thanks!
