United States
Bankruptcy Court

Federal Record Retrieval Service

(800) 650-5002

       McAfee Secure sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

FastService@OldBankruptcyPapers.com
Business Hours: Mon - Fri, 7:AM to 5:PM PST
Terms Of Use | Privacy Policy

GET RECORDS FOR A MORTGAGE AFTER BANKRUPTCY
EMAILED WITHIN ONE HOUR


Complete Bankruptcy File $30
All of your Official Bankruptcy Records with your Discharge, and a Docket Report confirming your records are complete.
Bankruptcy Discharge Papers $10
Get your Official Federal Bankruptcy Discharge Papers (or Dismissal) emailed to you within 1 business hour.
Schedules Package & Discharge $25
Includes your List of Creditors and all Schedules (A to J), your Voluntary Petition, and your Discharge or Dismissal.
Bankruptcy Docket Report $10
The Bankruptcy Court’s Official Index of all records in your case, with the total page count, and court filing information.

Click on the links above for full details or to see examples.
All Documents Are Guaranteed Official U.S. Bankruptcy Records

Have Questions? Call Our Support Staff For Assistance At: 800-650-5002

Order Now
Complete Bankruptcy File $30
All of your Official Bankruptcy Records with your Discharge, and a Docket Report confirming your records are complete.
Schedules Pkg and Discharge $25
Includes your List of Creditors and all Schedules (A to J), your Voluntary Petition, and your Discharge or Dismissal.
Bankruptcy Discharge Papers $10
Get your Official Federal Bankruptcy Discharge Papers (or Dismissal) emailed to you within 1 business hour.
Bankruptcy Docket Report $10
The Bankruptcy Court’s Official Index of all records in your case, with the total page count, and court filing information.
Click on the links above for full details or to see examples.

Guaranteed Official
U.S. Bankruptcy Records

      
   
Purchase method:   

Click below to login to Paypal and retrieve your records:

Learn "How To Get A Mortgage After Bankruptcy" Below ...

Getting a Mortgage After Bankruptcy


You’ll Have to go Through a Waiting Period

Before you can even apply for a mortgage after bankruptcy, you have to be sure the waiting period has passed. How long this takes depends on what type of mortgage you’re trying to get.

With a conventional Fannie Mae loan, for example, the waiting period is set at two years if you’ve dealt with extenuating circumstances and the clock starts ticking once you receive a bankruptcy discharge. If you’re considering an FHA loan, the waiting period can be shortened to one year if the bankruptcy filing came as the result of a job loss but you’ve since gained steady employment.

Getting Mortgage After Bankruptcy

Foreclosure May Mean a Longer Wait

The waiting period for buying a home after foreclosure is longer than the one for individuals who’ve filed for bankruptcy. If you lose your home to foreclosure due to extenuating circumstances, Fannie Mae requires a three-year waiting period instead of a two-year window. Whether or not you have to wait the full three years, however, depends on what happens after you lose the home.

For example, under the Fannie Mae guidelines, you might be able to take advantage of a shorter waiting period if you went through foreclosure and the mortgage debt was discharged in a bankruptcy filing. It would be up to the lender to decide which waiting period to use. If the foreclosure happened after the bankruptcy, however, you’d be stuck with the three-year wait time or a seven-year wait time under normal circumstances.

A longer waiting period is also required if you have multiple bankruptcy filings in your past. If you’ve filed for bankruptcy more than once, you’ll be subject to a three-year waiting period following a layoff or a divorce, starting from the discharge date of your most recent petition.


You May Need to Put off Buying to Qualify for Good Rates

Once the waiting period is over, you’re officially in a position to apply for a mortgage. That doesn’t guarantee, however, that you’re going to be able to lock in the most favorable rates. Bankruptcy can stay on your credit report for up to 10 years and lenders won’t just overlook it when you apply for a loan.

During the waiting period, it’s best to focus on boosting your credit score. The best way to do that is to pay your bills on time and re-establish your credit slowly. Getting a secured credit card could be a good place to start and you can work your way up to an unsecured card over time.

Building up a sizable down payment can also have a positive impact on your ability to get a mortgage. As a general rule of thumb, it’s a good idea to bring at least 20% to the closing table unless you’re applying for an FHA loan. If that’s the case, you might be able to buy a home with as little as 3.5% down.

VA loans don’t require any down payment at all. But if you’re bouncing back from bankruptcy, having a nice chunk of change set aside can show lenders that you’re serious about buying.


Be Prepared to Explain What Happened

When you apply for a loan, your lender’s likely going to ask you a few questions about your bankruptcy. You might be asked when your case was discharged, what steps you’ve taken to establish new credit and how diligent you’ve been about paying your bills. Having answers ready for these and other questions can make the application process run more smoothly.




   Top 7 Suggested Articles:

•   How A Docket Report Protects You
•   Settling Medical Bills With Chapter 13 Bankruptcy
•   Bankruptcy Public Information
•   Getting Out Of Debt Without Filing Bankruptcy
•   How to Request a Hardship Discharge From Bankruptcy Court
•   Bankruptcy Records
•   Bankruptcy Discharge Papers




Disclaimer: This Content Does Not Constitute Legal Advice

This article is for informational purposes only and should not be construed as legal advice. Consult with a licensed bankruptcy attorney if you are considering bankruptcy, or other competent counsel before pursuing the subject matter of this article. Collection laws vary from state to state.

We accept both debit and credit cards.
McAfee Secure sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams
Excellent Reputation

T: (800) 650-5002  |   F: (253) 234-1330  |  Business Hours: Mon - Fri, 7:AM to 5:PM PST   |  1083 Vine Street, Healdsburg, CA 95448  |  Terms Of Use  ·  Privacy Policy

Home   |   Testimonials   |   FAQ   |   Blog

Old Bankruptcy Papers © 2006 - 2019

McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams
Terms of Use

Due to credit card processing fees all transaction adjustments are subject to a $5 transaction fee. This includes, but is not limited to: ALL REFUNDS OR PARTIAL REFUNDS. This means that partial refunds (from downgrading an order to a smaller package), or cancellation of an order where the records are available electronically, will have a $5 processing fee deducted for processing the refund. We are charged a fee by our credit card processor both when you place your order AND when any refund is made, and therefore we must charge a fee to process any refund.

The material on this site is protected by international copyright and trademark law. You may not modify, copy, reproduce, republish, upload, post, transmit, or distribute in any way any material from this site, including code, software, and any and all files.

Neither these materials nor any portion thereof may be stored in a computer except for personal and noncommercial use. Personal use is restricted to materials purchased through the site and used in a manner deemed to be typical and normal use by a paying customer in the course of their own private endeavors. Re-selling of any materials made available through this site, or by Old Bankruptcy Papers, its affiliates and/or owner(s), is strictly forbidden.

Any such unpermitted use or violations, either herein stated or otherwise deemed to be a violation of ethics or laws, may constitute a criminal offense, give rise to civil liability, and will be pursued for remuneration as available by law.

The Federal Bankruptcy Court records provided by this site are the same 'public records' provided by said courts, and are typically provided by this site in a more convenient, and many times, more timely manner. Any requests for duplicates of previous orders are available for $.

Old Bankruptcy Papers is not to be held liable for any inaccuracies, errors, or omissions in the materials or services rendered by it or from this site, or in the delivery thereof, or for any damages arising from such information or its use.

By using of this site, said users agree to hold Old Bankruptcy Papers its affiliates, associates, and/or owner(s) completely harmless from any negative impacts resulting from the use of any information provided as "general public information" or otherwise, as such information is only provided at a minimal cost, is intended only to save the user valuable time and effort in remedying potentially unjust financial duress for which they may not have been prepared to deal with, and is NOT intended to replace competent legal advise regarding collection agencies or their practices, or any other issue covered by the materials made available.

All sales are final, with the exception of orders for Bankruptcy Records that are cancelled the same day - prior to their being retrieved from the database - unless otherwise made available by the Supervisor. All warehoused orders are final. Once permission is granted to proceed with any page overages sales are final. All Zombie Debt package sales are final. All "research fees" required for older files (typically beginning at 1998 and prior) are non-refundable, as are research fees associated with certain districts of New York and Florida. Persons purchasing records using "electronic checks" are subject to delays in receiving their records, as consummation of their transaction is based on their bank clearing those funds. If we run past our normal delivery times due to technical difficulties beyond our control we will complete your order as soon as the technical issue is resolved.

We may note from time to time page visiting flow within our site in facilitating ease of use.

Stated delivery turn times may be delayed on occasion due to circumstances beyond our control, including but not limited to normal maintenance on servers that store documents, and technical issues that are in the process of being resolved. In these rare circumstances clients will hold Old bankruptcy Papers harmless for any such delivery delays. Discretion in resolving such situations is given solely to the Supervisor on duty.

Some court districts are less technologically advanced and more labor-intensive than others; specifically, the Southern District of Texas, the Eastern District of California, and the State of Minnesota. Due to the additional labor involved, if for any reason your order changes after confirming with us that you want an exact page count, then a $ page count fee will need to be applied toward your final order. Continuing with your full file and any page overage in these court districts waives this fee.

This agreement shall be governed by and construed in accordance with the laws of the state of California without giving effect to any principles or conflicts of law. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. In the event that a dispute arises, customer warrants by use of this site that they will resolve any difference(s) with OldBankruptcyPapers.com directly, before resorting to request a reversal of charges or initiate a charge back from their bank. Failure of customer to endeavor to resolve any such complaints directly with OldBankruptcyPapers.com constitutes a default decision in favor of OldBankruptcyPapers.com, and an automatic waiver by customer of the dispute, reversal of payment or charge back via the customer's bank or bankcard processor. We reserve the right to submit all unpaid services (and additional allowable fees) to collections.

Old Bankruptcy Papers © 2006 - 2019

(800) 650-5002

Privacy Policy

Your privacy is one of our highest priorities.

We adhere to the following principles to protect your privacy

When you visit our web site, and fill out our order form or call us, you will be providing us with some personal information, for example: your full name, the last 4 digits of your SSN, and your personal contact information. This information is solely for the purpose of the retrieval of the documents you are requesting from us, as well as information necessary to contact you. We do not sell, or distribute any of your personal information to third parties.

We may retain the content of your e-mail messages and your e-mail address, as well as any correspondence between you and our firm, including your order, for our internal records. We will never rent, sell, or distribute in any way, your personally identifiable information to third parties for marketing, or any other purposes.

We are not in the habit of opening documents to confirm or verify the content of the bankruptcy or discharge papers.

Please remember that bankruptcy records are public records, and therefore may be requested by anyone.

In addition to accepting credit or debit cards over the phone, we offer PayPal - the most trusted name in internet and online transactions - as a payment option. PayPal guarantees the privacy of all of your financial information, and never shares that information with merchants.

Rest assure that we take great precaution in keeping the privacy of your financial information should you choose to make your purchase over the phone. Please feel free to call us with any questions at (800) 650-5002.

(800) 650-5002

McAfee Secure sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams