Can I refinance my home after Chapter 13?

Yes, you can refinance your home after you file either a chapter 7 bankruptcy or a chapter 13 bankruptcy. Of course your credit will be affected for approximately 10 years, and this may affect your ability to refinance, but it cannot prevent you from refinancing. The bankruptcy code does not allow anyone to discriminate against you for the fact you file bankruptcy. Although this does not mean you will have the credit score or the income to obtain a refinance for your mortgage, but they cannot discriminate against you and deny you are refi simply because you have file bankruptcy. Do not get me wrong it is more difficult after bankruptcy to refinance, but not impossible my law office we offer a service that will allow you to get your bankruptcy score above 700 within two years after being discharged from either chapter 7 bankruptcy or chapter 13 bankruptcy. This will allow you to refinance your home or to purchase a car or get credit such as credit cards even after you file for one of the two forms of bankruptcy, that are usually used by consumers. I have responded to your inquiry according to the laws of Massachusetts, where my firm is located. Laws can vary significantly from state to state and cases tend to be rather fact-specific, so you are best served by consulting with a knowledgeable attorney in weighing your options. Email messages/Online Correspondence are akin to conversations and do not reflect the level of analysis applied to formal legal opinions. Email/Online responses do not form an attorney-client relationship.    Joseph F. Botelho, Esq. BOTELHO LAW GROUP Attorneys At Law http://fallriverbankruptcyattorney.com/ 901 Eastern Ave.  Unit 2 Fall River, MA 02723  Office:  888-269-0688 FAX:    877-475-8147 #bankruptcy  #lawyer  #FallRiver  #Chapter7  #chapter13  #debt  #debtsettlement  #foreclosure  #attorney   #cantpaybills  #lawsuit  #court  #bankruptcycourt  #eviction  #lostmyjob