Montgomery, 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.

The first thing you need to do if and when you get sued is file an Answer. The summons will tell you that you must "appear" by way of an Answer in 10, 20 or 30 days, "depending on the method of service." PLEASE CHECK THE LAW IN YOUR STATE AS YOU MAY ACTUALLY HAVE TO APPEAR IN COURT, AS IN VIRGINIA, IN ORDER TO AVOID A DEFAULT! You need a lawyer, but if you cannot afford one right away, rather than do nothing and have a judgment entered against you, is to "appear" by filing something! Many people think this means they have to go to Court and this is incorrect. 90% of all lawsuits end in Default Judgments because the defendant (person getting sued) did not file an Answer. I recommend you go to the free form I have on my website. Print it out and fill it out as instructed. You must answer the numbered paragraphs on the Complaint by writing them into the appropriate lines in the Answer. The Answer will allow you to preserve your rights and will prohibit a default judgment (i.e. you did not show up) from being entered against you. Mimic the paperwork you got when you got sued. Answer all the paragraphs of the Complaint by writing the numbers in lines 1, 2 or 3. Almost 100% of attorneys will deny what is owed because they did not do the calculations and do not know what the basis for the number is... When you file the Answer that is your "not guilty". You have the right to make the person suing you (Plaintiff) prove their case, but you must also answer the complaint truthfully. Make sure you fill in the name and address of the attorney suing you before you bring this paperwork to the Court. Mail it to the attorney suing you right away! Good Luck!