Menard, TX Bankruptcy Law Firms & Lawyers

Although your bankruptcy left you in the position where all the lender can do to you is foreclose, homeownership comes with additional responsibilities after a bankruptcy ends, and those ongoing responsibilities cannot be avoided by your bankruptcy. For example, property taxes, HOA dues, community maintenance requirements, property liability.

If you filed chapter 7 and received a discharge and want to file chapter 7 again, then you have to wait 8 years from the date you filed your last case.

Unfortunately you cannot get the bankruptcy information off of your credit report and it will be there for 10 years. After you finished your bankruptcy your attorney (if you had one) should've informed you of how to rebuild your credit. Most mortgage companies these days are willing to work with people on new mortgages 2-3 years after bankruptcy. It sounds like you want to get an unsecured loan to get the property, however, maybe you'll have a better chance at a mortgage as it'll be secured by the new home. I would have an attorney that handles bankruptcy and credit repair to review your credit report and see how they can help you rebuild your credit or get new loans.