Helotes, TX Bankruptcy Law Firms & Lawyers

Assuming your name isn't on the deed to the house, you would list the loan as an unsecured, nonpriority creditor on schedule F. If the loan has been transferred, the transfer should be recorded at the county records office. If the transfer hasn't been recorded, then just list the original lender.

Unfortunately, you can't get the bankruptcy off your credit report. By law, credit reporting agencies have the right to report a bankruptcy for ten years from the date the case was filed. The bankruptcy is a part of your credit history - you don't dispute the fact that you filed for bankruptcy. Two years after bankruptcy is a very short time to expect to be obtaining credit and loans - especially considering where the economy is. Even if your credit was just okay, I doubt you would be able to get a mortgage loan at this point. Give it time, as your bankruptcy ages, it will have less weight on your credit score. Meanwhile, you should pay on time for whatever debt, bills you may have.

You have to complete the credit counseling prior to filing. In limited situations, you can get a waiver. The majority of the counseling classes online take an hour and will get you the certificate the day you take the class.