Lender won't make loan saying "we have a long memory,and a dim view of those didn't pay us back before".Bankruptcy was 2008. Legal? Punitive?!

there is nothing you can do in this situation, you do not have a right for a bank to make you alone, thus there is nothing legal you can do. If you filed a bankruptcy against a bank in the past, I wouldn't go to that bank for another loan in the future. Try one of the larger banks such as Bank of America or Wells Fargo, they care less about these situations. Although you will be paying a much higher interest rate than someone who did not file bankruptcy as it was only four years ago. Your attorney who filed your bankruptcy should have explained to you that many lenders will behave this way after you file a Chapter 7 bankruptcy.   I have responded to your inquiry according to the laws of Massachusetts, where I practice. 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 & ASSOCIATES, LLC Attorneys At Law   www.massachusettslawyeronline.com 126 Shove Street Unit 202 Fall River, MA 02724 Office:  888-269-0688 Cell:     508-801-6747 FAX:    877-475-8147