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AV Preeminent Peer Rated Attorneys
St. Augustine Residents, consider several factors when selecting a lawyer ... Learn More
AV Preeminent Peer Rated Attorneys
St. Augustine Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).

Upchurch & Esposito, L.L.C.

  • 200 Malaga St., Ste. 2, St. Augustine, FL 32084-3507

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Commonly Asked Bankruptcy Questions From Users Near You

This information is not legal advice and is not guaranteed to be correct, complete or up-to-date. It is provided for general informational purposes only. If you need legal advice you should consult a licensed attorney in your area.

Would my husband have to start building credit all over again? Would we ever be able to obtain another mortgage?

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Answered by attorney Dorothy G. Bunce (Unclaimed Profile)
Bankruptcy lawyer at A Fresh Start
Letting the property go into foreclosure will create another credit ding, although you might not be aware of it because it will not be available on your consumer credit report. But creditors have access to more information about you than just your consumer report. Furthermore, since you didn't file bankruptcy, you could be responsible for paying any loss the mortgage company may take when they foreclose. A short sale may be the solution, but look for a realtor with connections at your mortgage company.
Letting the property go into foreclosure will create another credit ding, although you might not be aware of it because it will not be available on your consumer credit report. But creditors have access to more information about you than just your consumer report. Furthermore, since you didn't file bankruptcy, you could be responsible for paying any loss the mortgage company may take when they foreclose. A short sale may be the solution, but look for a realtor with connections at your mortgage company.
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How long does Chapter 7 bankruptcy drop off my credit record in Arizona?

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Answered by attorney Steven Jed Alpers (Unclaimed Profile)
Bankruptcy lawyer at Steven J. Alpers, A Professional Corporation
It should be off about March 1, 2013, but the credit agencies may not automatically drop it immediately.
It should be off about March 1, 2013, but the credit agencies may not automatically drop it immediately.

Can I file bankruptcy on a rent to own home?

Sally J Elkington
Answered by attorney Sally J Elkington (Unclaimed Profile)
Bankruptcy lawyer at Elkington Law
Without looking at your contract on your lease to buy and without knowing if you are trying to stay and just need to catch up on your payments, this is a difficult question to answer. If you want to break the contract and discharge the back rent due, you can do that during a bankruptcy, either 7 or 13. If you want to try to stay and catch up, you might be able to do such through a chapter 13. I say might because I would need to review your contract first. Contact a good bankruptcy attorney for a consult before proceeding.
Without looking at your contract on your lease to buy and without knowing if you are trying to stay and just need to catch up on your payments, this is a difficult question to answer. If you want to break the contract and discharge the back rent due, you can do that during a bankruptcy, either 7 or 13. If you want to try to stay and catch up, you might be able to do such through a chapter 13. I say might because I would need to review your contract first. Contact a good bankruptcy attorney for a consult before proceeding.
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