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How long do I wait to buy home after chapter 13 dismissal?

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gmakerley Community Mentor Joined: 09 Nov 2007 Posts: 12330 Location: bloomfield, ct 50.03 Dollars($)	Posted: Sat Jul 11, 2009 4:26 am    Post subject: Like 0 Dislike 0 with a bankruptcy on your record at all, it's not easy. with one that has just been discharged, that'll make it more difficult. however, having completed your chapter 13, you ought to be able to find someone to assist you. _________________ George M. Akerley Independent Contractor - Mortgage Consultant Word of Excellence Editing/Writing/Proofreading 860-221-5044
mspaap2u@sbcglobal.net Guest	Posted: Thu Oct 01, 2009 5:19 pm    Post subject: CHAPTER 13 DISMISSAL STAYS ON CREDIT REPORT SEVEN YEARS! Like 0 Dislike 0 Chapter 13 dismissal remains on credit report SEVEN years! _________________ Need help choosing the right loan? Get free consultation from community lenders/consultant
gmakerley Community Mentor Joined: 09 Nov 2007 Posts: 12330 Location: bloomfield, ct 50.03 Dollars($)	Posted: Fri Oct 02, 2009 8:45 am    Post subject: Like 0 Dislike 0 that's a bit dramatic, don't you think? _________________ George M. Akerley Independent Contractor - Mortgage Consultant Word of Excellence Editing/Writing/Proofreading 860-221-5044
BERT Guest	Posted: Tue Oct 20, 2009 10:02 pm    Post subject: MY CHAPTER 13 WAS DISMISSED AFTER 5YEARS I STILL OWED $ 900 Like 0 Dislike 0 ITS BEEN 2YEARS SINCE MY CHAPTER13 WAS DISMISSED. NOW I AM GETTING LETTERS FROM COLLECTION AGENCIES . STATING THAT I OWE THE FULL AMOUNT OF ACCOUNTS TTHAT WERE NOT FULLY PAID OFF WHEN MY CHAPTER 13 WAS DISMISSED. DO I HAVE TO PAY THEM.
smithsussane Joined: 18 Sep 2008 Posts: 10020 Location: Alaska 917.78 Dollars($)	Posted: Wed Oct 21, 2009 11:57 pm    Post subject: Like 0 Dislike 0 Hi BERT! Welcome to forums! If the debts had been discharged in your Chapter 13 bankruptcy filing, then the collection agency cannot harass you for the payments. You must have the documents related to the discharge of debts in bankruptcy. You must inform the collection agency about it and even send a duplicate copy of those documents to the collection agency. If the collection agency still harasses you, then you can contact your bankruptcy attorney and take necessary steps against them. Feel free to ask if you've further queries. Sussane
gmakerley Community Mentor Joined: 09 Nov 2007 Posts: 12330 Location: bloomfield, ct 50.03 Dollars($)	Posted: Fri Oct 23, 2009 6:26 pm    Post subject: Like 0 Dislike 0 here's the key: bert, you said your chapter 13 case was dismissed, and you didn't say it was discharged. that leads me to believe you still owe all the debts that would have been included in the bankruptcy had your filing been carried to fruition. what's the real deal? _________________ George M. Akerley Independent Contractor - Mortgage Consultant Word of Excellence Editing/Writing/Proofreading 860-221-5044
Ij Guest	Posted: Mon Apr 05, 2010 9:24 am    Post subject: Help! Like 0 Dislike 0 I have filed for a Chapter 13 bankruptcy on Sept of '07 and volunteered to get it dismissed on Feb of '08. I had no means to pay for my mortgage at the time. Right now, my house should be in a process of a short sale. Just to avoid forclosure. I'm trying to build my credit up and also looking for a job. Now do I have to disclose that information when applying for a job? Saying that I've filed for bankruptcy even though the bankruptcy was dismissed?
Ij Guest	Posted: Mon Apr 05, 2010 9:24 am    Post subject: Help! Like 0 Dislike 0 I have filed for a Chapter 13 bankruptcy on Sept of '07 and volunteered to get it dismissed on Feb of '08. I had no means to pay for my mortgage at the time. Right now, my house should be in a process of a short sale. Just to avoid forclosure. I'm trying to build my credit up and also looking for a job. Now do I have to disclose that information when applying for a job? Saying that I've filed for bankruptcy even though the bankruptcy was dismissed?
gmakerley Community Mentor Joined: 09 Nov 2007 Posts: 12330 Location: bloomfield, ct 50.03 Dollars($)	Posted: Mon Apr 05, 2010 9:27 am    Post subject: Like 0 Dislike 0 i don't see any reason to divulge the bankruptcy, unless there are questions asked concerning your financial status, or if you are looking for a job in a bank, for example. clearly, a person's credit background is part of the employment screening process these days, and you can anticipate that the prospective employer(s) you speak with will be pulling your credit report. don't worry - it won't ding your credit score when they do it. it might not hurt to you to be upfront about your credit situation. _________________ George M. Akerley Independent Contractor - Mortgage Consultant Word of Excellence Editing/Writing/Proofreading 860-221-5044
Lashaun Guest	Posted: Thu Apr 08, 2010 12:52 pm    Post subject: voluntary dismissal of my bk13 Like 0 Dislike 0 I want to stop my bk13 and try to get back on track with my creditors.my bk13 is taking 700 a month from my check I figure if I took the 700 a month and made payments on the most pressing i probably would be fine.I want to find out how to go about contacting my creditors to see if they can take off the fees and let me pay what i owe.
smithsussane Joined: 18 Sep 2008 Posts: 10020 Location: Alaska 917.78 Dollars($)	Posted: Fri Apr 09, 2010 1:57 am    Post subject: Like 0 Dislike 0 Hi Lashaun! Welcome to forums! You will have to get your bankruptcy dismissed if you're planning to negotiate with your creditors. They won't be ready to deal with you unless you're discharged of bankruptcy. You will have to speak to your bankruptcy attorney and take his opinion in this regard. He will be able to let you know how you could dismiss your bankruptcy filing. Feel free to ask if you've further queries. Sussane
lilbuddy Guest	Posted: Mon Aug 30, 2010 1:24 pm    Post subject: loan approval Like 0 Dislike 0 i am applying for an FHA loan but last year I took a forbearance on my mortgage and it looks like i was late 3 times 90 days plus and the last month being August. Will my loan be approved if they pull my credit in September since it has been a year?
smithsussane Joined: 18 Sep 2008 Posts: 10020 Location: Alaska 917.78 Dollars($)	Posted: Tue Aug 31, 2010 2:12 am    Post subject: Like 0 Dislike 0 Hi lilbuddy! Welcome to forums! FHA approved lenders will look into your credit report before giving you a mortgage and check out the negative items that you've in your report for the last 1 year. It will be the lender's discretion whether or not he would approve you for a loan. Feel free to ask if you've further queries. Sussane
Need help Guest	Posted: Mon Nov 29, 2010 6:23 pm    Post subject: bk Like 0 Dislike 0 My trustee is fighting us because of utilities and insurance he says is to high and day care he basically wants us to pay 10% to our creditors but we are filing a chapter 7. What should we do?
smithsussane Joined: 18 Sep 2008 Posts: 10020 Location: Alaska 917.78 Dollars($)	Posted: Mon Nov 29, 2010 10:31 pm    Post subject: Like 0 Dislike 0 Hi Guest! Welcome to forums! You should have a word with your bankruptcy attorney and he will be the best person to help you in this matter. Feel free to ask if you've further queries. Sussane

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