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The bankruptcy will never fall of the public record, which is kept at the courthouse. It will be shielded from view on your credit report 7 years from the date of adjudication.

However, many consumers have had success having dismissed legal actions removed from their credit reports by writing a letter of dispute to the bureaus. This is worth a try, should you not want to wait until March 2007.

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โˆ™ 2015-07-15 19:40:02
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Q: If a Chapter 13 filed in August 1999 was dismissed in March 2000 but not discharged when does the bankruptcy fall off the public record?
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Your chapter 7 bankruptcy was discharged in August and your insurance company has refused to pay 9000 ER visit. Can my claim be reopened and this discharged or can a new claim be filed?

If the ER visit was prior to the filing of the c. 7, yes. You may not even need to re-open the case. Your discharge order says it discharges all dischargeable debts. The debts are not listed as such in the order. The fact that your insurance company refused to pay it does not alter its status as dischargeable. A new c. 7 bankruptcy cannot be filed for 8 years, but you could file a c. 13 if needed.


How long do you have to wait after declaring bankruptcy to get a mortgage?

I am a Mortgage Loan Consultant and I have made it my area of expertise in working with people with bankruptcies, bad credit, and foreclosures. Firstly you do NOT have to wait 2 years to refinance after a chapter 7 discharge, those are for fannie Mae loans. You can refinance a chapter 7 a day after discharge. A chapter 13 can also be refinanced before discharge since it's on a payment plan for 3-5 years from filing date. You can get a chapter 13 refinance as little as 12 months from filing, not discharge and you can payoff your chapter 13 in the process if you have enough equity in your home. There are major differences between a chapter 13 and chapter 7 refinance but that is for your mortgage broker to be aware of. I work in conjunction with a mortgage broker who is able to get financing for people 12 months out of bankruptcy. I filed bankruptcy in august of 03 and here it is may of 04. I raised my credit scores higher than they were before i filed bankruptcy, but they are still too low. You will only get a mortgage for 70-80% (20-30%down) if you only wait a year. If you wait until it is discharged for 2 years, you will save a ton of money on the downpayment AND on interest. After you file bankruptcy, you need to write letters to everyone you were discharged, so they put on there that you have a zero balance. Keep track of all of this. It is very stressful, but it works. There are several sub-prime mortgage companies who will lend to borrowers one day out of bankruptcy (one day after your discharge).


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How long after you go to bankruptcy court can you get a car loan?

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You filed a chapter 7 in January 2003 can you file another chapter 7 at this time. I am now married and my husband had a brain injury in 807 and has not been able to work and I was laid off in 508?

I filed for chapter 7 in January 2003. Married in 2006, my husband had received a brain injury in August 2007 and has not worked since but was given many credit cards which total over 25,000.00 I was laid off in May 2008 due to a buy-out and can not pay these credit cards any longer. Can we file chapter 7 at this time. Under the bankruptcy laws effective on October 17, 2005, Chapter 7 cannot be filed unless the debtor was discharged from the previous Chapter 7 or bankruptcy more than eight years ago. The debtor cannot file a Chapter 13 unless: (1) the debtor received a discharge under Chapter 7, 11 or 12 more than four years ago; or (2) the debtor received a discharge under Chapter 13 more than two years ago. The circunstances are irrelevant, BK is always done only as a last resort after unfortunate things.


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Can you get a home loan while in Chapter 13 bankruptcy?

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