Mortgage for Discharged Bankrupt?
918166
Hi there,\nIt is possible to obtain a mortgage as a discharged bankrupt yes. You will need to consult a specialist mortgage consultant however. I know that a specialist consultant will answer questions about mortgage products on a section of the Myvesta advice forum. I will add the link below for you.\n\nhttp://myvesta.org.uk/forum/viewforum.php?f=12&sid=aa605a6bff28759984cce5392bccb197\n\nHope this helps!
880305
if they wont work out a forebearance agreement,then contact a bankruptcy lawyer, call HUD now!!!! you nedd to prepare to move in case.....good luck
1066789
The link below contains a bunch of sample letters to send to creditors.\n\nEmail me if you need more advice.
1130467
There are a few mortgage companies out their that will be able to finance you while being on disability and having your bankruptcy discharged.  However, Mobile Homes are usually not properties that they will refinance, due to lower value.  However it doesn't hurt to look into it.  I know of one company that might do it, because I used to work for them, but they are only licensed in a hand full of states so it would depend on where you live.  Also, like I said it is hard with mobile homes to get them refinanced with all those other existing conditions.
733694
Good question!!! \n\nYou need to wait until after you are discharged to really do anything. \n\nOnce the bankruptcy is discharged, you need to do the following: \n\n1. Pay your bills on time \n\n2. Dont incur any unecessary debt\n\n3. Open sucured credit cards that report to the credit bureaus.\n\n4. Wait 6 months after discharge, then dispute the BK with the 3 bureaus. After 6 months the BK filing is stored in the Federal Archives and rearely will it be verified, so it falls off!!! 100% true\n\n5. Continually build your credit by gradually opening low limit cards, like Eufora, Orchard, 1st Premier..... and asking for higher spending limits every 6 months. \n\n6. Open secured loans that report to the credit bureaus. \n\n7. Finance furniture (buy here pay here) that reports to the bureaus! \n\n8. Piggyback other peoples good credit accounts (BEST SECRET IN THE BIZ!!! follow this link: http://www.expert-credit-advice.com/building_credit.htm)   \n\n9. Dont file bankruptcy again! \n\nThere are the facts from a credit expert. \n\nYou have the right proactive attitude. Keep your head up, put in the effort, do the right thing and eventually you will look back on this bankruptcy and laugh. \n\nWishing you the best of luck!
325849
When you bankrupt, it shows poor history on paying bills. As a result, the owner of the complex does not want to take the risk. In many situations, you can get around this if you place a large deposit down. If you cannot do this, then the best bet is to look for a roommate. If this still does not fit your desire, then keep looking. There might be someone out there that will be willing to give you a try.
608970
I would love to tell you that everything will be alright. But you are in a very tuff situation. It sounds like the pinnacle of either some hard times or poor choices are catching up to you. The first thing is look to a mortgage loan BROKER, not a bank.. A broker is going to work with a greater number of banks and lenders that will be able to offer you a mortgage if there is one available to you. There are loans out there up to 125% of your homes value that can be utilized in a refinance. However loans that high are often offered only to good credit high FICO score borrowers. IF you have not had a lot of lates since the Bankruptcy you might be in luck, however if you have had lates since.. you are really not in a good position to refinance. Antoher option is somehting called a "Short Sale" this is an option that you may know about from all the mailers you are getting from real estate agents and or investors that saw your home listed in forclosure... It is where you find a seller to your home, and the offer is presented to the lender (your real estate agent can do this) and the lender agrees to "forgive" the loan to whatever amount and sell the home for less than you currently owe.\n\nLet me tell you as someone in finance and mortgages this is one of the best options to you. Whatever the situation and however you got there, you want to walk away in the best situation you can. You bought a home once, and can again but don't let it go all the way to forclosure waiting for something magical to happen because it usually does not.. Sel it using a short sale and walk away from it without a forclosure.. It does not sound like you have any equity to lose and if you walk away without a forclosure on your credit and without the debt of mortgage balance on a home you longer own you will be in a better spot.\nOnce that is done you and your husband can focus on getting back on your feet. Best of luck to you!
773401
Yes there are.\n\nThere are mortgage product available for owner who just received a "notice of Default".\n\nIf however the bank or lender repossesed the property or it was sold in an auction you would have to come up with private funds to redeem your property back.\n\nIf you are in California and need assistance in foreclosure bailout loans we can help\n\nRommel Mijares\nMortgage Specialist
89292
try contacting one of the three major credit bureaus, call a mortage company for the numbers.
273390
yes try Creative Mortgage out of Denver. Colorado. 1-866-488-0929 ask for Anthony in HR. they can do just about any type loan any where.
1123511
I would first of all go to the hospital and see if they will agree to a payment plan. It is my understanding that as long as you pay, consistenly, something on a bill you can't be taken to court (don't quote me on this)...but my first stop would be the accounting department of the hospital in question.  \n\nAsk them where you can go for help in paying.....Remember, you are not the first patient that can't pay.  Just make sure you don't let any family member co-sign anything to do with this bill.  \n\nLast but not least (and this is the last resort) if you can't get help eitther with the hospital or a govt agency,you couuld declare bankruptcy.....but this is a BIG step and will follow you for, I believe, 7 years.
969637
Go to a mortgage broker, they are easier than banks and have a number of lending programs. Anyone can get an FHA mortgage 18 months out of bankruptcy, so I'm sure you can get a mortgage having not had any of these past issues! There may be a few things you need to touch up but I'm sure you can get a mortgage. You just have to know where to look....and don't take no for an answer.
1149542
Get copies of your credit reports from all of the major reporting agencies.  Challenge the bankruptcy.\n\nYour lender can also "fast-track" the cleanup process and get your credit re-scored.  There is a small fee for this, typically about $50.00 per item on the credit record.  This is the fastest way to get this cleared.
699192
Was your bankruptcy a no-asset case?  If so, you might not have to worry.  In some jurisdictions, the courts will consider all debt discharged even if it was unintentionally left off the creditor list.  \n\nDo you still have your papers from your bankruptcy?  If so, dig out the letter that tells the date and time of the meeting of the creditors and mail a copy to the creditor.  It might be all that is needed to take care of the matter.
362197
I"m so sorry for your loss.\n\nDid you go to a bankrutcy lawyer?  I would check with them.  If some of the debt included in the bk was soley his, you might not be responsibe.  If it hasn't gone through completely, you might be able to file hardships with creditors who will suspend rates or payments for a little while.  Also, the bankruptcy courts might be able to recalculate payments because of your lack of income.\n\nBasically, I would see a professional.  Maybe you can find a relative to help you with finding someone that will do it cheap/free.
350033
Yes, you should be able to refinance this person with an active foreclosure with either Fremont, Option One, or World. However with a bankruptcy, your going to have more of a challenge. I do believe that World and OOMC will accept bankruptcies with in the 2 years, but you need to check on that. Contact me directly if you need assistance
208930
It depends on how your 'Community Property' laws in your state work.\nYou might want to retain a financial lawyer, or at least hunt around for a decent one experienced with financial matters.\nI would suggest you keep your finances separate, too. Stuff only in your name and such.\nOn a side note...even if it is illegal, creditors will say anything and everything to get money out of you. \nIf they've already discharged the bankruptcy, creditors cannot bother you anymore unless you fail to pay on agreed terms setup in the bankruptcy. We only had a couple of issues with creditors, but, as soon as you say it was discharged and give them the doc-number,they'll usually leave you alone.