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Purchasing a Home After Bankruptcy Atlanta, GA

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Purchasing a Home After Bankruptcy

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Filing for bankruptcy is no decision that should ever be taken lightly. The decision to file for Chapter 7 or Chapter 13 has consequences that can last for a few years; therefore, the decision to file for bankruptcy should be made with as much information regarding your future as possible.

Bankruptcy causes a drastic hit to a filer’s credit score. It takes a relatively strong credit score to be able to make major loans towards large purchases. When a bank does a credit check on a person to see if he or she qualifies for a loan, banks will almost always avoid lending money to someone who has been through bankruptcy within the last four to seven years. While it is possible for some filers of a Chapter 13 bankruptcy to obtain a new conventional mortgage or a new FHA loan even during the repayment period, not everyone qualifies.

Many times credit companies and banks want to have proof that a former bankruptcy filer has been able to move past their previous debt and money issues. The four to seven year window where loans and allowances are not given can be a time of proving to creditors that you have earned the right into once again securing credit and being able to pay it off. While this may seem like a long period of time, there is a lot that you can prove during these years. You can successfully rent and make payments on an apartment or home and/or car, you can acquire more steady income, you could have gotten married or divorced and the status of your finances could drastically change. A lot can happen over the course of just a few years, and this time gives creditors a glimpse of who the “new you” really is that is requesting a loan.

Bankruptcy is not anything that you would wish to go through, and it is very important that before you make the decision to file that you are aware of the future consequences that will be presented. If bankruptcy is your only, or best, option, your future can look bright again. Yes, it will take some time, but take refuge in knowing that your life can make a drastic turn for the better.

Posted on behalf of Jamie L. Gingold, PC

195 14th Street NE #1604
Atlanta, GA 30309

Phone: (678) 915-2634


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    Our Client Reviews

    Jamie L. Gingold, PC
    5.0 / 5.0

    Based on 28 reviews

    Jack L.

    They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

    Karen B.

    Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

    Lyla B.

    I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

    Julie T.

    Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

    Julie T.

    I contacted getting old and getting old regarding some old tax debt and credit card debt that I needed to address and had been putting off. miss Irving in the office was very very nice and put me at ease. I met with Jaime Gingold. She was very nice and explained the procedure to me and what would be left owing to the Internal Revenue Service and the State of Georgia after my case was done. My case has now been completed and I am on my way to a new start. Thank you Gingold and Gingold for all of your help.

    Anna T.

    Amazing! Outstanding!! They went over and beyond..I would recommend them to anyone needing a lawyer!!

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