Can I file bk since my house has been foreclosed on?

Asked over 1 year ago - Clearwater, FL

Foreclosure completed. Last bk was about 3 years ago

Attorney answers (3)

  1. Dorothy G Bunce

    Pro

    Contributor Level 20

    2

    Lawyers agree

    Answered . The fact that your house has been foreclosed on does not, by itself, make you qualified to file bankruptcy. If your bankruptcy 3 years ago resulted in a discharge, you will not be able to file bankruptcy to obtain another discharge for awhile, although you could file Chapter 13 to get protection from your creditors. Sounds like your life has gotten complicated. Now might be a good time to meet with a credit counselor or seek attorney advice about how bankruptcy works. Hope this perspective helps!

  2. Kathryn Ursula Tokarska

    Contributor Level 16

    1

    Lawyer agrees

    Answered . A debtor can file a case anytime, while in foreclosure, pre-foreclosure, post foreclosure. However, whether they will be successful with receiving a discharge will depend on other facts. Here you raise one fact that is of concern by saying that you filed a bankruptcy 3 years ago. Assuming you actually received a bankruptcy discharge 3 years ago you do not qualify for a chapter 7 discharge for another 5 years. You may be able to file a chapter 13 to restructure debts but you cannot obtain another discharge more than one in a period of 8 years. I'm wondering if filing BK is even necessary in your situation, not sure what you wish to accomplish. Please consult a local bankruptcy attorney to discuss your situation and needs. Most BK attorneys offer a free consult.

    I am not YOUR lawyer. You should not rely on answers to questions as legal advice. For legal advice you should... more
  3. Gary D. Bollinger

    Pro

    Contributor Level 19

    1

    Lawyer agrees

    Answered . See the blue hyperlink below to an Avvo legal guide.

Can't find what you're looking for? Ask a Lawyer

Get free answers from experienced attorneys.

 

Ask now

26,001 answers this week

2,769 attorneys answering

Ask a Lawyer

Get answers from top-rated lawyers.

  • It's FREE
  • It's easy
  • It's anonymous

26,001 answers this week

2,769 attorneys answering