I am currently homeless because I am unable to obtain housing due to my past evictions. I filed a chapter 13 which the debt of the evictions were included. So if I file a motion with court with proof that the evictions were included in the bankruptcy to have the cases dismissed so they can show that on my background check report, would I be able to do so?
The credit report and what happens in the bankruptcy court forum are two different things. You can correct errors on your credit report, but if not in fact errors, your only recourse would be to contact the person/entity and request that the report be removed, however, they are not obligated to do so if not in error. Your other alternative is to seek hard copy reference letters from employers, friends, or past landlords you had good histories with and have copies of those letters in hand when you are applying for apartments. Some landlords who are not corporations and such will dispense with a credit check and rely on reference letters from employers and prior landlords, even if not your immediate prior landlord, to determine if you are a good risk. If you are able to reach out to your local town/municipality, they may be able to direct you to services which may help you find housing given your circumstances. Good luck.
First filing a ch 13 for ONLY that reason is not suggested in my view . Only an attorney knowing all the facts can advise you if you can discharge the same debts in a ch 7 as a ch 13 and if you qualify.
Second, all the persons filing bankruptcy in the US last year are NOT living in tree houses. By that I mean you will always find a place to live. Maybe you need to obtain a discharge so your reports all show zero balance, discharged in bankruptcy. Then money talks: if you propose to prepay 3 months, maybe that will work. See if you can borrow from somoone, prepay landlord and then pay the loan back during those 3 months is idea too.
Finally, credit reports reflect facts. If a state court shows eviction lawsuit and truthful, then that remains! Good luck.
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