Murphy, 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.

Once a bankruptcy petition has been filed, the court has jurisdiction over any related matter. The writ for possession appears to be valid. You are no longer protected by the automatic stay because the stay was lifted when your BK case was dismissed by the court.