Bankruptcy, Judgement and credit score
Although the judgment will remain on your credit report for 7 years, it should have less significance on your overall credit score the older it gets.
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Fort Lauderdale, FL
Bankruptcy and debt Lawyer at Fort Lauderdale, FL
Practice Areas: Bankruptcy & Debt, Foreclosure, Debt Settlement
Although the judgment will remain on your credit report for 7 years, it should have less significance on your overall credit score the older it gets.
Selected as the best answer
Your attorney is correct; the monies are exempt.
Did you use a lawyer or title company for the short sale? Find out whether the BoA included a deficiency release in that transaction. If so, this...
If your case closes without a discharge (dismissed for failure to attend 341), and months later, you file another case, then yes, you can include...
Was there a mortgage lien on the property? To claim the funds, you may have to file an Affidavit stating that there are no superior lienholders...
I would suggest you do the short sale. Even though you surrendered the home in the bankruptcy, you are still the titled owner. As such, you may...