Nevada, TX Bankruptcy Law Firms & Lawyers

It really depends upon the facts surrounding the dismissal. You are not eligible to re-file a bankruptcy case for 180 days if (1) the case was dismissed because you failed to abide by Bankruptcy Court Orders, or (2) you voluntarily dismissed the case following the filing of a motion for relief from the automatic stay. In most other circumstances you could re-file immediately, although you will have to jump through a few hoops to get the automatic stay extended beyond the 30 day period after the re-filing. This may or may not be a problem, depending upon the type of bankruptcy that you file and what you are hoping to achieve by such a filing.

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 be careful. At this point you are not liable for any deficiency once sold. You might need the help of a consumer law attorney, because the mortgagee's only recourse is against the property, and it appears they are affecting you personally that is, their reporting status is preventing you from purchasing another property.