Alvin, TX Bankruptcy Law Firms & Lawyers

There is so much misinformation, most of it urban legend, about what a discharged debtor can and cannot do. There is nothing preventing you from borrowing, refinancing or doing anything else post-discharge. The impediment is the other side of the transaction. Banks often will not lend to those who have filed a Chapter 7 case, at least on terms that don't punish the former debtor for their "transgressions." Bankruptcy itself does not prevent you from refinancing for ten years. A bankruptcy stays on your credit for ten years and thus makes it harder to get a loan, refinance a loan or do anything else that involves checking your credit report. By the way, anyone who promises you to get your bankruptcy removed from your credit report in exchange for a fee is both a liar and a crook that should be avoided and reported to the authorities. Good luck and expect to pay a higher rate than what borrowers with good credit pay.

A Chapter 7 Bankruptcy will stay on your credit report for 10 years. You can still apply for a house loan but the chances of getting one without help from someone else co-signing would be small.

You are allowed to switch lawyers whenever you feel like it. Whether you SHOULD fire your attorney or not is never a clear-cut yes-or-no question. In figuring out whether you want to do that or not, don't focus on what they did or didn't do up to this point. Instead, ask yourself what else you think they should have done, or what you think you've paid them to do but that they haven't done. Then once you know VERY SPECIFICALLY what it is you think they were supposed to do but didn't, ask yourself whether the next lawyer is going to do those specific things or not.