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I am in crisis
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<blockquote data-quote="GoingNorth" data-source="post: 722340" data-attributes="member: 1963"><p>Yikes! I thought my rent at 830 plus 50 for the two cats was steep for a one BR was high.</p><p></p><p>Here in Milwaukee Cty, WI, they only allow 2 people to live in a one BR.</p><p></p><p>Could that be part of the issue? Especially because of the gender differences? or because your daughter is an adult?</p><p></p><p>With a fresh bankruptcy, you would have trouble renting from a complex, but might be able to rent from an independent owner.</p><p></p><p>The big concern is if you have a lot of defaults prior to the BK, plus the having accounts closed by lenders isn't going to help.</p><p></p><p>Again, you need to talk to a BK attorney to find out what your best move is. They should also be able to advise you on how best to rebuild your credit.</p><p></p><p>My case was a bit different as I had a BK and a foreclosure, both due to medical bills left when husband died. My credit was shot, but I also had no history other than the mortgage and a couple of car loans before that.</p><p></p><p>I was able to get a secured credit card shortly after, deposit add'l money to it to get a decent limit, and use it and pay it off totally each month. I did that for two years and was able to get a Discover card. </p><p></p><p>Building on that, I now have very good credit, have bought and paid off a car, currently rent in a large complex owned by a huge property firm.</p><p></p><p>You can bounce back, but you'll have a couple of hard years. Again, talk to a couple of lawyers, one about the housing BS, and the other about the bankruptcy question.</p></blockquote><p></p>
[QUOTE="GoingNorth, post: 722340, member: 1963"] Yikes! I thought my rent at 830 plus 50 for the two cats was steep for a one BR was high. Here in Milwaukee Cty, WI, they only allow 2 people to live in a one BR. Could that be part of the issue? Especially because of the gender differences? or because your daughter is an adult? With a fresh bankruptcy, you would have trouble renting from a complex, but might be able to rent from an independent owner. The big concern is if you have a lot of defaults prior to the BK, plus the having accounts closed by lenders isn't going to help. Again, you need to talk to a BK attorney to find out what your best move is. They should also be able to advise you on how best to rebuild your credit. My case was a bit different as I had a BK and a foreclosure, both due to medical bills left when husband died. My credit was shot, but I also had no history other than the mortgage and a couple of car loans before that. I was able to get a secured credit card shortly after, deposit add'l money to it to get a decent limit, and use it and pay it off totally each month. I did that for two years and was able to get a Discover card. Building on that, I now have very good credit, have bought and paid off a car, currently rent in a large complex owned by a huge property firm. You can bounce back, but you'll have a couple of hard years. Again, talk to a couple of lawyers, one about the housing BS, and the other about the bankruptcy question. [/QUOTE]
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