Filed chapter 13 about 21/2yrs. when will i be ready to apply for loans.
Originally posted 2010-02-22 00:39:23. Republished by Old Post Promoter
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Didn’t you learn anything from going bankrupt? You don’t want to incur more debt. If you don’t have the cash, you don’t buy it. Period. Unless your objective is to end up in bankruptcy court again…then go for it.
Did you not learn from the experience 2 1/2 yrs ago? Stop using credit and use cash. You know Cash is King. If you use cash, if you dont’ have it then you don’t get it plain and simple. Credit is what has you gotten where you are. There isn’t anything that you can’t pay cash for.
I would ask why you want to apply for loans after filing bankruptcy? Unless you change your habits and spend less than you make you will put yourself in the same position very shortly. I know because this is what I once did. I’ve since changed my habits and don’t actually borrow any money except for a house and now rarely worry about money because of this.
If you are trying to get a home loan though, you can usually get one about three years after the bankruptcy as long as you’ve had no late payments on anything since the bankruptcy. If you can show from a landlord that you’ve been early or on time, you can qualify for a conventional loan.
any time you want to!!!!
While the bankruptcy is proceeding, you can forget about it. It’s not when you file, but when the bankruptcy is discharged. And your credit report reflects the status. You can apply for small loans probably about 6 months after that. Most will deny you, some will accept.
Did you pay all your debts to your creditors…..dont do something u cant afford….unless u plan on filing bankruptcy again…That seems to be the pattern among dead beats that sign their name to purchase something and then dont pay for it…Bankruptcy is a joke! It hurts all businesses….If u have a problem paying for something…..go directly to the creditor and try to work it out….otherwise…dont buy it!