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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).

When did Mike Tyson file bankruptcy?

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When did Best Manufacturing Group file for bankruptcy?

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

Generally - Chapter 7 allows you to purchase a car or get a loan for a car after DISCHARGE (about 6 months after you goto court - you'll get a letter) Chapter 13 allows you to purchase a car at anytime WITH permission from the Trustee. Its called a Motion to Incur Aditional Debt. I went to court in August 2004. My debts were discharged October 2004. I just bought a car in December 2004. I got a good price and a high interest rate, but it was still a lower rate than I was paying on the car I included in the bankruptcy! I still can't believe how easy it was. If you're in the Puget Sound area, I can tell you where to find a car loan. What kind of downpayment did you have to do?

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.

When is chapter 151 of Gakuen Alice released?

august 20th.

What are the release dates for Inside Man - 2013 Bankruptcy 1-6?

Inside Man - 2013 Bankruptcy 1-6 was released on: USA: 11 August 2013

Is John Legend Illuminati?

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

There is the possibility, although the probability is low. Most consumers find it impossible to get financing with an ongoing Chapter 13 bankruptcy. Usually, you need to have at least 12 months after the BK is discharged before you are lendable again. That being said; there are programs which do not consider credit at all. Given the right broker who is experienced, and enough money, anything can be accomplished. You must also ask your Trustee for permission to assume additional debt. I found this helpful: Current Bankruptcy If you are currently in chapter 13 bankruptcy, you may be able to qualify for a home loan. In fact, some lenders can actually provide FHA loans at low interest rates for borrowers in chapter 13. Re: HUD Handbook section 4155.1 Rev-4. "A borrower paying off debts under Chapter 13 of the Bankruptcy Act may also qualify if one year of the pay-out period has elapsed and performance has been satisfactory, and the borrower also receives court approval to enter into the mortgage transaction."( I am trying to use the FHA to get a home loan while in chapter 13 and I have been trying to get them to clear a house since August. I made over $80,000 last year and all the BK judge would approve for me to have in a loan was $45,000 so don't get your hopes up no matter how good you have done with the bankruptcy. I have the money taken out of my check every much so I have never missed a payment and this process is a nightmare that has made me cry night after night. The mortgage broker says I would have been better off if I have filed chapter 7. Isn't that a kick in the teeth! ANSWER I am currently in a Chapter 13. Due to divorce and my husband's bills which I got stuck with. I thought I could get some reduced rates on my bills with Chapter 13. NOT. The lawyer told me that I would be clean after bankruptcy. NOT. I would have been better off just to NOT PAY all the unsecured debt. That is what my ex did, and guess what? They laid all that debt on me. He is scott free and bought a NEW HOUSE. Even though I was NOT on his cards. We were married so I am stuck with the debt. Don't EVER declare bankruptcy. Just don't pay the unsecured debt if you can't pay it. Your credit will be trashed no matter what and unpaid unsecured debt looks better than a bankruptcy. The only one who gets rich on bankruptcy is the lawyers. I've been trying to get a loan to pay off the rest of the bankruptcy and get back to normal but I can't. My Chapter 13 takes $2500 out of my $3220 monthly pay. And I can't even fix my roof. I can barely pay for food and because I make $3220 per month I don't qualify for any aid of any kind. It's a nightmare. NEVER NEVER NEVER DECLARE BANKRUPTCY

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