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

Posted on: 24th Mar, 2007 04:11 pm
My Chapter 13 was dismissed in 2003. How long does it take after a dismiss will I be able to optain a home loan. My credit was pulled, since I have not optained any credit I do not have a credit score at this time. I had to supply other credit refer stating that in the last 12 months I have not been over 30 days late. EX. Rent, insurence, cell phone, etc... Then the lender saw that the 13 was dismissed not discharged she said I would not be approved for a home loan.

How long will the 13 haunt me??? So far it has been 4 years????

Thanks
Chapter 13 dismissal remains on credit report SEVEN years!
Posted on: 01st Oct, 2009 05:19 pm
that's a bit dramatic, don't you think?
Posted on: 02nd Oct, 2009 08:45 am
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.
Posted on: 20th Oct, 2009 10:02 pm
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
Posted on: 21st Oct, 2009 11:57 pm
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?
Posted on: 23rd Oct, 2009 06:26 pm
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?
Posted on: 05th Apr, 2010 09:24 am
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?
Posted on: 05th Apr, 2010 09:24 am
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.
Posted on: 05th Apr, 2010 09:27 am
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.
Posted on: 08th Apr, 2010 12:52 pm
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
Posted on: 09th Apr, 2010 01:57 am
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?
Posted on: 30th Aug, 2010 01:24 pm
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
Posted on: 31st Aug, 2010 02:12 am
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?
Posted on: 29th Nov, 2010 05:23 pm
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
Posted on: 29th Nov, 2010 09:31 pm
how would your trustee find out if you took out a payday loan without telling them cause you needed too really bad, but you paid the loan back, is there any way they can find out? does someone report it to them?
Posted on: 09th Dec, 2010 11:07 am
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