filing bankruptcy

How much will my bankruptcy was hurt when my credit is bad anyway?

My husband and I are trying to get a home loan, and we are consistently denied. We both have bad credit, for the most part on non-payment of medical bills. If we file for bankruptcy it will be long before we are able, a house is to get credit? Will filing affect the status of our student loans, we do not want to include in the bankruptcy?

I went through this in 2001 and it's not nearly as bad as people believe it. Are not particularly your student loans discharged in your bankruptcy, you need a list of all debts, everything you have, you like a car or home you can keep as what is a reaffirmation agreement with your lender to sign and keep your payments as usual same interest rate and payment. As far as buying a home FHA requires 24 months to restore credit a home loan to consider, so if you do confirm a To make their debt that they continue to report to the credit bureaus. You can also credit cards from several companies after your BK discharge like Orchard Bank, First Premier, HSBC and Capital One and they all report to the credit bureaus. Use them for small things of everyday life and always in full each month before the due date to pay. There are also several lenders that will give you a loan to a new or good used car, once you buy BK discharges as AmeriCredit, regional acceptance, prestige Finance & Capital One, but you must to go through a dealer to do this and to also report to the credit bureaus. I have 2 credit cards and auto loan with Ford reaffirmed my credit card in 18-month Reconstruction. Once my Discharge hit 24-month I bought a brand new home with no money and got off a 6.5% fixed interest rate. So it can be done, it just takes time and discipline. Today, all my grades are about 800, although the bankruptcy still shows on my reports. Drops from the first of next year. And for the record bankruptcy show on your credit for 10-year-old not 7 Good luck.

Horrow: Dodgers file for bankruptcy

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