Can I rent after I file personal bankruptcy? 24 Answers as of July 04, 2013

I want to file for bankruptcy and move into a small apartment to rent and lease a cheap car. Can I do this if I don't have credit after filing for bankruptcy?

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Jackson White, PC
Jackson White, PC | Spencer Hale
Yes, you can rent and lease after bankruptcy.
Answer Applies to: Arizona
Replied: 7/15/2011
Mercado & Hartung, PLLC
Mercado & Hartung, PLLC | Christopher J. Mercado
That all depends on the creditor or landlord. BK will have a negative impact on your credit score so they will consider it.
Answer Applies to: Washington
Replied: 7/4/2013
Law Office of Maureen O' Malley
Law Office of Maureen O' Malley | Maureen O'Malley
Sure. If you have a house, stay there until it's foreclosed. You can save some nice money that way. No reason you can't rent later. Pay HOA fees from filing until foreclosure, though. Probably harder to lease a car.
Answer Applies to: Virginia
Replied: 7/11/2011
Bankruptcy Law office of Bill Rubendall
Bankruptcy Law office of Bill Rubendall | William M. Rubendall
A prospective landlord can turn down an application based on bankruptcy. It may take a few applications before a landlord will be willing to rent to someone after bankruptcy.
Answer Applies to: California
Replied: 7/11/2011
Burnham & Associates
Burnham & Associates | Stephanie K. Burnham
Actually, you can. Your credit will not qualify you for the best rates, but most car companies are willing to work with you because you cannot file again for another 9 years.
Answer Applies to: New Hampshire
Replied: 7/7/2011
    Stuart Jon Bierman  Attorney at Law
    Stuart Jon Bierman Attorney at Law | Stuart Jon Bierman
    This is a good question that his best answered after having a thorough conversation with an experienced attorney. However, in general, a person can rent an apartment or lease a cheap car after a bankruptcy if they have a number of other positive factors accompanying their application. For example, if you have saved up a substantial amount of money to pay rent in advance or make lease payments in advance than that would be a factor in obtaining approval from a landlord or lease company. A steady job history and a substantial income that would clearly enable you to pay these expenses would also be positive factors. A co-signor would be a huge positive factor. Some landlords don't do a credit check, especially landlords who have a small number of units or are trying to rent out half of a owner-occupied two family house. You might have to shop around a bit but if your positives significantly outweigh the negatives you should be able to find a leasing company that wants to do business with you and a landlord who wants you as a tenant. Good luck to you as you get a fresh financial start in life.
    Answer Applies to: New Jersey
    Replied: 7/7/2011
    Breckenridge and Walton
    Breckenridge and Walton | Alan D. Walton
    Renting an abode should not be a problem, but leasing a car will. You might want to consider getting the car lease before you file, and assuming it once you do.
    Answer Applies to: Michigan
    Replied: 7/7/2011
    Law Office of Harry L Styron
    Law Office of Harry L Styron | Harry L Styron
    Maybe. Depends on the landlord and the car lessor and your income after you file. Remember that a person who has income and has filed is a better credit risk than one who has never filed, because he can't file again for 7 years.
    Answer Applies to: California
    Replied: 7/7/2011
    Law Office of Xochitl Anita Quezada
    Law Office of Xochitl Anita Quezada | Xochitl Anita Quezada
    There is life after bankruptcy. However, it may not be as easy. Renting depends on the landlords. Some may want copies of your bank statements to prove you do have the income and ability to pay. As for leasing or buying a car, you may need a down payment and your loan most likely will include a high interest rate.
    Answer Applies to: California
    Replied: 7/6/2011
    Carballo Law Offices
    Carballo Law Offices | Tony E. Carballo
    Yes although you might have some difficulty renting because some landlords mistakenly don't want to rent to people who have filed for bankruptcy although persons who have already gone through bankruptcy are a better risk than those that can still do it and discharge back rent. You might also have difficulty finding a bank that will lease you a car since that usually requires credit. There are banks that specialize in persons who have filed bankrutpcy but the built in interest rate will be higher and might require that you pay more up front.
    Answer Applies to: California
    Replied: 7/6/2011
    Indianapolis Bankruptcy Law Office of Eric C. Lewis
    Indianapolis Bankruptcy Law Office of Eric C. Lewis | Eric Lewis
    Yes. Some landlords will use bankruptcy as an excuse to not rent but by far the majority of landlords are more interested in your current income and your past behavior/history as a tenant in rentals. Typically, one can get a lease or installment loan on a vehicle about 6 months after bankruptcy without much issue.
    Answer Applies to: Indiana
    Replied: 7/6/2011
    Law Office of Lynnmarie A. Johnson
    Law Office of Lynnmarie A. Johnson | Lynnmarie Johnson
    You can rent an apartment after filing bankruptcy. I have only had one couple that had a problem with the particular complex they wanted in wanting a co-signer for the first year. You may have problems finding someone to lease a car to you. It depends on the dealers in your area. You may have to buy a car (and the interest rate will be higher usually) until you get your credit re-established.
    Answer Applies to: Michigan
    Replied: 7/6/2011
    California's Largest Family of Attorneys
    California's Largest Family of Attorneys | Doan Law Firm
    Yes, you can. A lot of people who file for bankruptcy find landlords who are willing to work with them.
    Answer Applies to: California
    Replied: 7/6/2011
    Ashman Law Office
    Ashman Law Office | Glen Edward Ashman
    If you file a Chapter 7, legally you can do both. However, some lessors and creditors will not do business with you because of the bankruptcy, so you will have fewer options. In a chapter 13 you cannot incur new debt without court permission.
    Answer Applies to: Georgia
    Replied: 7/6/2011
    Law Offices of Alexzander C. J. Adams, P.C.
    Law Offices of Alexzander C. J. Adams, P.C. | Alexzander Adams
    You can do this. It may limit to some degree who will rent to you if they are going to run credit check, but I have never had a client not find somewhere to move to.
    Answer Applies to: Oregon
    Replied: 7/6/2011
    Law Office of Dennis Jay Sargent Jr, PLLC
    Law Office of Dennis Jay Sargent Jr, PLLC | Dennis J Sargent Jr.
    Just as bankruptcy has an effect on your credit score, so can it have an effect on your ability to obtain lease certain items. A lease is nothing more than an extension of credit where at the end of the term you return the item instead of keeping it. Your ability to lease or rent an apartment will depend on criteria that the landlord uses to determine your ability to pay. Some large rental companies may not approve your request, not because you filed bankruptcy, but because you have bad credit. The same thing goes for the car lease. It's not the bankruptcy that will hold you back but rather your credit score. That's why it's important to monitor your credit report after filing bankruptcy and also to work to rebuild your credit score. Be wary of companies that require you to pay a fee to rebuild your credit score or that want to charge a fee to monitor your credit report or score.
    Answer Applies to: North Carolina
    Replied: 7/6/2011
    Theodore N. Stapleton, PC
    Theodore N. Stapleton, PC | Theodore N. Stapleton
    It depends on what chapter bankruptcy case you file and the landlord you are dealing with.
    Answer Applies to: Georgia
    Replied: 7/4/2013
    Janet A. Lawson Bankruptcy Attorney
    Janet A. Lawson Bankruptcy Attorney | Janet Lawson
    Aabsolutely. No reason why not. Some of the bigger complexes might turn you down, but are plenty who will not.
    Answer Applies to: California
    Replied: 7/6/2011
    Symmes Law Group, PLLC
    Symmes Law Group, PLLC | Richard James Symmes
    Filing bankruptcy will affect your credit score which could affect your rental options. You should speak to the place you want to rent from, prior to filing bankruptcy to make sure you will qualify.
    Answer Applies to: Washington
    Replied: 7/6/2011
    Law Office of Eric Ridley
    Law Office of Eric Ridley | Eric Ridley
    It may be more difficult to get rentals and a lease after filing your bankruptcy action.
    Answer Applies to: California
    Replied: 7/4/2013
    Badgley Law Group
    Badgley Law Group | Jeffrey Badgley
    This is an important question for anyone considering bankruptcy. A recent study about this question shows that landlords are more forgiving than they have been in the past, due to the poor economy.
    Answer Applies to: Florida
    Replied: 7/6/2011
    William C. Gosnell, Attorney at Law
    William C. Gosnell, Attorney at Law | William C. Gosnell
    Large apartment complexes do request credit reports, so, No on that. But if you rent from a mom and pop operation, then, Yes. Leasing a car may be a problem.
    Answer Applies to: Tennessee
    Replied: 7/6/2011
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