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Loan & Credit Tips: Mortgage Refinancing & Re-Establishing Your Credit After Bankruptcy
Personal bankruptcy generally is considered the debt management option of last resort because the results are long-lasting and far-reaching. A bankruptcy will remain on your credit report for 10 years these days. BK's make things difficult for your credit, because it cause your fico score to drop significantly, as well as tagging a "Bankruptcy" to the derogatory section of your credit report. According to the federal reserve, "Bankruptcies make it difficult to acquire credit, buy a home, get life insurance, or sometimes, get a job. However, it is a legal procedure that offers a fresh start for people who can't satisfy their debts."
There are two kinds of personal bankruptcy: Chapter 13 and Chapter 7. Each must be filed in federal court. Filing fees are approximately $200, and Attorney fees are not included.
Chapter 13 is BK based on reorganization. Ch. 13 allows debtors to keep property, like a home or a car. Reorganization may allow you to pay off a default during a three-to-five-year period, rather than surrender any property.
Chapter 7 is a BK based on dissolving debt. This bankruptcy involves liquidation of all assets that are not exempt in your state. Exempt property may include work-related tools and basic household furnishings. Some of your property may be sold by a court-appointed official or turned over to your creditors. You can file for Chapter 7 only once every six years.
Both types of bankruptcy may get rid of unsecured debts and stop foreclosures, repossessions, garnishments, utility shut-offs, and debt collection activities. Both also provide exemptions that allow people to keep certain assets, although exemption amounts vary among states.
Note that personal bankruptcy usually does not erase child support, alimony, fines, taxes, and some student loan obligations. And unless you have an acceptable plan to catch up on your debt under Chapter 13, bankruptcy usually does not allow you to keep property when your creditor has an unpaid mortgage or lien on it.
Art is a critically acclaimed writer, who has published many helpful articles mortgage realated topics. Over the last few years, Art has been a mortgage consultant helping train loan officers for some of the nation's top mortgage companies. If you would like to read more helpful articles online, visit Bad Credit Mortgage Refinance. To get more advice & finance tips, please contact go online to learn more about program updates and the approval process for Second Mortgages and Bad Credit Mortgage Loans. The federal reserve has additional information that we suggest you review online.
More Useful Resource and Updates on london mortgage loans home refinance process serv
- Fannie, Freddie Boost Effort to Minimize Foreclosures (Update1) (Bloomberg)
Nov. 11 (Bloomberg) -- Fannie Mae and Freddie Mac , the largest U.S. mortgage-finance companies, will accelerate anti- foreclosure efforts with a new loan modification program designed to cut monthly payments for struggling homeowners.
- Fannie, Freddie Boost Effort to Minimize Foreclosures (Update4) (Bloomberg)
Nov. 11 (Bloomberg) -- Fannie Mae and Freddie Mac , the largest U.S. mortgage-finance companies, will accelerate anti- foreclosure efforts by streamlining loan modifications to lower monthly payments for more struggling homeowners.
- CBS 6 Answers Team responds to your questions! (WRGB Albany)
Thanks to everyone who logged on to our first-ever CBS 6 Answers Team live web chat! Our team of local finance, mortgage, credit and job experts were happy to help answer your questions. Stay tuned for more from our Answers Team in the coming weeks.
- LibertyStreet Financial Group Launches New Government-Backed Reverse Mortgage Program (Business Wire via Yahoo! Finance)
SAN DIEGO----With many baby boomers coming of age, retirement incomes for seniors have remained relatively flat while the cost of living has skyrocketed. On November 6th, 2008, a new law took effect, increasing the federally insured Reverse Mortgage lending limit from $362,790 to $417,000 for homeowners age 62 and up.
- Remarks by Secretary Henry M. Paulson, Jr. on Financial Rescue Package and Economic Update (United States Department of the Treasury)
Good morning. I will provide an update on the state of the financial system, our economy, and our strategy for continued implementation of the financial rescue package.
- Shoring up your mortgage (The Charlotte Observer)
(By Christina Rexrode, crexrode@charlotteobserver.com) The latest trend in the housing downturn is finding ways to help struggling homeowners make their mortgage payments. The government, banks, housing counselors and other observers are all weighing in with plans for mortgage modifications, also called loan workouts. Three major programs unfurled last month by the Federal Housing ...
- Freddie, Fannie to modify loans (The News Journal)
WASHINGTON -- In an attempt to keep struggling homeowners from losing their homes, federal officials Tuesday announced a simpler and quicker procedure for modifying loans held by mortgage giants Fannie Mae and Freddie Mac and expressed hope that it...
- TEXT: Paulson on the State of the Financial System (Fox News)
Treasury Secretary Henry Paulson spoke today on the state of the global financial system.
- It's time to think about refinancing that high-rate mortgage (The Record)
Many Americans affected by the economic crisis want their unaffordable mortgages reworked through special programs for people facing foreclosure. But you don't have to be in financial trouble to benefit from mortgage refinance, real estate experts say.
- Negotiating Better Terms for Mortgage (New York Times)
Banks may be willing to negotiate with borrowers who are current with their payments, even if they aren?t promoting it aggressively.
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