Bluffton, TX Bankruptcy Law Firms & Lawyers

There is no way that I am aware of to get a bankruptcy removed from a credit report prematurely. If there was a legal way, everybody would be doing it. One of the ramifications of filing bankruptcy is it can be legally reported on your credit report "up to 10 years." Some creditors may "ignore" your bankruptcy filing after only 2 years, others after 6, etc.- but that is their decision to make. Some creditors (such as high interest car lots) may ignore your credit report almost immediately, proof of a steady job is good enough for them to provide secured financing. But I have no knowledge of how you could remove a bankruptcy after only two years in order to obtain condo financing- the only thing you can do is be up front about it and persuade them you are a good credit risk in spite of your prior bankruptcy.

Generally, yes, those debts will be discharged as part of the bankruptcy. However, if the underlying judgment found that there was some type of fraud or other instances, the debt may not be discharged. Visit with your attorney to make sure.

You should not rely on my advice, it's only an opinion and if I had a chance to look into everything you've said my answer could change. Always get a lawyer to help is my motto because in hindsight, they are cheap! Any personal obligation you have on the property is wiped away, so you do not have to pay for any deficiency. Note, HOA fees are still owed by you until you have left the property AND title has changed. We have a company set up that we deed properties to but assuming you want something quick and cheap maybe you can find someone with bad credit who will gladly accept the property from you? Then deed it to them. You don't have any personal obligations on the house that's why you don't care about the benefits of a deed in lieu.