Albert, TX Bankruptcy Law Firms & Lawyers

Unfortunately you cannot get the bankruptcy information off of your credit report and it will be there for 10 years. After you finished your bankruptcy your attorney (if you had one) should've informed you of how to rebuild your credit. Most mortgage companies these days are willing to work with people on new mortgages 2-3 years after bankruptcy. It sounds like you want to get an unsecured loan to get the property, however, maybe you'll have a better chance at a mortgage as it'll be secured by the new home. I would have an attorney that handles bankruptcy and credit repair to review your credit report and see how they can help you rebuild your credit or get new loans.

You need to file an amended schedule, but which schedule depends on what kind of debt it is. Typically you will want to file an Amended Schedule F because that is the schedule for unsecured, non-priority creditors. However, you should check to see if the creditors that are calling you would fall into the category of an "unsecured non-priority" creditor (Schedule E) or a secured creditor (schedule D). There is a fee associated with filing a new schedule to add creditors, so be aware of the additional cost.