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There are many myths about what it means to file bankruptcy and how it affects your life. One of those often involves renting after filing bankruptcy. As the bankruptcy attorney in this video explains, while some landlords run credit checks before accepting a renter, in most cases your bankruptcy history shouldn't keep you from getting an apartment.
In fact, filing bankruptcy may even help you stay in your current apartment. With your other debts cleared, you may be in a better position to make your monthly rent payment.
If you're concerned about what may happen when you file bankruptcy, speak with a local bankruptcy lawyer and get answers about how the laws apply directly to you.
WOMAN: I mean, I can understand that you can't buy a house after bankruptcy, but gimme a break, it's ridiculous that you can't even rent an apartment.
So despite my current financial situation, I will not file for bankruptcy. It's not as if I can or want to move into my parents' basement.
I need to have my own apartment, thus eliminating bankruptcy as an option for me, despite my out-of-control credit cards and past-due bills!
BANKRUPTCY ATTORNEY: It is true that many landlords do check credit before signing a lease with you, but generally it is large, corporate landlords who own a huge apartment complex that will take your past credit history into account a little bit more. And remember, it's not necessarily that bankruptcy that is reflecting negatively on your ability to rent the apartment, but really the past credit history that contributed to your bankruptcy filing.
You might consider going to a smaller landlord, maybe someone who owns that two- or three-apartment building and is going to be compassionate to your situation and consider other factors as to whether or not you're going to be able to pay your rent.
You may also consider laying down a couple of months' security deposit or offering up a cosigner who will sign for you on the apartment. Remember there are a lot of folks out there who have filed bankruptcy and many of them, most of them in fact, have been able to rent an apartment after the bankruptcy case is over.
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