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Frequently Asked Questions
What is the difference between a Chapter 13 bankruptcy and a Chapter 7 bankruptcy?
Can I get cash out while in bankruptcy?
Can I get a fair interest rate?
What determines the interest rate?
How can I improve my credit rating while in a Chapter 13?
Can I get help if I own a mobile home?
How can I find out if you can help me?
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A Chapter 13 bankruptcy requires payments for 3 to 5 years made to a Chapter 13 trustee. A Chapter 7 has no payments.
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Yes, you can!
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Yes, you can!
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A combination of income, credit scores, loan to value, and what type of real estate you own.
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1) Apply for secured credit cards. This will improve your credit. Because it is a secure credit card and you put up money for a credit limit, it may not violate your agreement with the Chapter 13 trustee.
Disclaimer: always check with your attorney before sending extra payments, or applying for credit while in a Chapter 13. Trustee's differ throughout the United States of America.
2) If you know someone with good credit, have them add you to a couple of credits as a authorized user! This will raise your credit scores and help you get a better interest rate or even help you get a loan! Remember, your not asking to use the credit cards or ever get a credit card! You just want to be added to the account as an authorized user. In about 30 days your credit scores will get better!
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If you own the land, your mobile home is a double-wide, and it is on a permanent foundation, then yes.
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Click here to see if Paul can help you.
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