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Waiting Is the Hardest Part: Chapter 7 Lawyers Explain Waiting Periods After Bankruptcy

With your credit in tatters, you’ll have to be patient a little longer before you get many of the things you’ve wanted for so long. You took the right steps when you hired Chapter 7 attorneys to regain control of your finances. Unfortunately, there are a few things you will have to wait for after bankruptcy.

1. Seeing a bankruptcy disappear from your credit report

Bankruptcy can stay on your credit report for ten years, negatively affecting your score and making lenders take a long look at you before they want to give you even a basic loan. After those ten years, however, you will be free and clear because the bankruptcy will no longer be visible.

2. Repair your credit

There is no perfect rule of thumb for how long it takes to repair your credit after a Chapter 7 bankruptcy, although by that ten-year mark mentioned above, it should be shiny and new again. Instead, credit repair is based on a series of different factors. How well you’re paying off current debts, including your mortgage (if you’ve managed to hang on to the house), is at the top of the list and should be a priority in your new budget.

3. Applying for an unsecured credit card

Immediately after you file bankruptcy with your Chapter 7 attorneys, you will likely see many credit card offers that claim to be interested in helping you rebuild your credit. It sounds perfect, right? Unfortunately, these credit card “deals” come with big strings attached. They know you can’t file for Chapter 7 bankruptcy again for eight years, and as such, you’ll have to find a way to make payments on these high-interest cards. Worse, you’ll get high fees, low limits, and have your credit taken if you cancel the card. Instead, wait until you get your credit score up to around 700 before applying for a new card. As you try to build your credit, try options like secured credit cards; you deposit the money in a specific account at the bank, and the bank offers you a “loan” of 50-100% of that amount. Using this card every month will help rebuild your credit faster.

4. Buy a house

Seems like the perfect time to go house hunting, right? With no debts hanging over your head after a Chapter 7 discharge, it seems like you have more of each paycheck to devote to things like a new house. Unfortunately, you can’t jump in yet. If you use a VA loan, it will have to wait two years from the time you filed for bankruptcy before you try to buy a home. A more traditional loan will require a four-year waiting period. Don’t despair though. Meanwhile, you can start building your down payment. Take the amount you’d like to dedicate to a house payment each month and put it into an account dedicated to buying a house. After four years, you will have a large payment that will make it much easier for you to get the loan you want.

5. Jumping back into your old lifestyle

You have more money available now that you’ve reduced or eliminated your debts, but that doesn’t mean you have to dive right back into your old lifestyle. Remember, those overspending habits led to your bankruptcy in the first place. Take the time to develop good spending habits and wait for a change in your employment status and your income before you try to live by those standards again.

Filing for bankruptcy after retaining Chapter 7 attorneys is a scary time in your life. Rebuilding when it’s over can be even more difficult. For more tips and tricks on managing your finances after bankruptcy, contact us today.

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