{"id":12878,"date":"2023-11-04T09:00:00","date_gmt":"2023-11-04T13:00:00","guid":{"rendered":"https:\/\/www.duncanlawonline.com\/staging\/8350\/?p=12878"},"modified":"2024-02-10T23:08:32","modified_gmt":"2024-02-11T04:08:32","slug":"buy-house-after-filing-bankruptcy","status":"publish","type":"post","link":"https:\/\/www.duncanlawonline.com\/staging\/8350\/buy-house-after-filing-bankruptcy\/","title":{"rendered":"How Long Do I Have to Wait to Buy a House After Bankruptcy?"},"content":{"rendered":"<p>[av_section min_height=&#8221; min_height_px=&#8217;500px&#8217; padding=&#8217;default&#8217; shadow=&#8217;no-shadow&#8217; bottom_border=&#8217;no-border-styling&#8217; id=&#8221; color=&#8217;main_color&#8217; custom_bg=&#8217;#d7d8ca&#8217; src=&#8221; attachment=&#8221; attachment_size=&#8221; attach=&#8217;scroll&#8217; position=&#8217;top left&#8217; repeat=&#8217;no-repeat&#8217; video=&#8221; video_ratio=&#8217;16:9&#8242; overlay_opacity=&#8217;0.5&#8242; overlay_color=&#8221; overlay_pattern=&#8221; overlay_custom_pattern=&#8221; av_uid=&#8217;av-pbgrxq&#8217;]<br \/>\n[av_heading heading=&#8217;How Long Do I Have to Wait to Buy a House After Bankruptcy?&#8217; tag=&#8217;h1&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; margin_sync=&#8217;true&#8217; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lojgcmyv&#8217; custom_class=&#8221; admin_preview_bg=&#8221;][\/av_heading]<br \/>\n[\/av_section]<\/p>\n<p>[av_heading heading=&#8217;The Timeline for Homeownership After Bankruptcy&#8217; tag=&#8217;h2&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-2tfqgtq&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lojgh1fz&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\n<img decoding=\"async\" loading=\"lazy\" class=\"alignleft size-medium wp-image-12884\" src=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2023\/01\/House-After-Bankruptcy-300x300.png\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2023\/01\/House-After-Bankruptcy-300x300.png 300w, https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2023\/01\/House-After-Bankruptcy-80x80.png 80w, https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2023\/01\/House-After-Bankruptcy-768x768.png 768w, https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2023\/01\/House-After-Bankruptcy-36x36.png 36w, https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2023\/01\/House-After-Bankruptcy-180x180.png 180w, https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2023\/01\/House-After-Bankruptcy-705x705.png 705w, https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2023\/01\/House-After-Bankruptcy-120x120.png 120w, https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2023\/01\/House-After-Bankruptcy-450x450.png 450w, https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2023\/01\/House-After-Bankruptcy-96x96.png 96w, https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2023\/01\/House-After-Bankruptcy-150x150.png 150w, https:\/\/www.duncanlawonline.com\/staging\/8350\/wp-content\/uploads\/2023\/01\/House-After-Bankruptcy.png 1024w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p><span data-preserver-spaces=\"true\">Navigating the path to homeownership after filing for bankruptcy involves understanding timelines, rebuilding credit, and recognizing the various loan options available. Bankruptcy doesn&#8217;t permanently halt your dreams of owning a home; it merely sets a temporary pause.<\/span><\/p>\n<p><strong>Summary Points<\/strong><\/p>\n<ul>\n<li><strong><span data-preserver-spaces=\"true\">Waiting Period<\/span><\/strong><span data-preserver-spaces=\"true\">: The waiting period to buy a house post-bankruptcy depends on the bankruptcy type (<a href=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/bankruptcy\/bankruptcy-types\/chapter-7-bankruptcy\/\">Chapter 7<\/a> or <a href=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/bankruptcy\/bankruptcy-types\/chapter-13-bankruptcy\/\">Chapter 13<\/a>) and the mortgage loan type.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Rebuilding Credit<\/span><\/strong><span data-preserver-spaces=\"true\">: Actively improving your credit score post-bankruptcy is crucial for loan eligibility.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Loan Options<\/span><\/strong><span data-preserver-spaces=\"true\">: FHA, VA, and USDA loans typically have shorter waiting periods than conventional loans.<\/span><\/li>\n<\/ul>\n<p>[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;Understanding the Waiting Period&#8217; tag=&#8217;h2&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-2e4li4u&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lojghfcq&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<\/p>\n<h3><span data-preserver-spaces=\"true\">Chapter 7 Bankruptcy<\/span><\/h3>\n<ul>\n<li><strong><span data-preserver-spaces=\"true\">FHA Loans<\/span><\/strong><span data-preserver-spaces=\"true\">: Minimum waiting period of 2 years after discharge.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">VA Loans<\/span><\/strong><span data-preserver-spaces=\"true\">: Minimum waiting period of 2 years after discharge.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">USDA Loans<\/span><\/strong><span data-preserver-spaces=\"true\">: The waiting period is typically 3 years after discharge.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Conventional Loans<\/span><\/strong><span data-preserver-spaces=\"true\">: The waiting period is usually 4 years after discharge.<\/span><\/li>\n<\/ul>\n<h3><span data-preserver-spaces=\"true\">Chapter 13 Bankruptcy<\/span><\/h3>\n<ul>\n<li><strong><span data-preserver-spaces=\"true\">FHA Loans<\/span><\/strong><span data-preserver-spaces=\"true\">: You may apply after 1 year of making timely payments on your bankruptcy repayment plan.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">VA Loans<\/span><\/strong><span data-preserver-spaces=\"true\">: Similar to FHA loans, the waiting period can be after 1 year of making timely payments.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">USDA Loans<\/span><\/strong><span data-preserver-spaces=\"true\">: The waiting period aligns with FHA, but lender discretion plays a significant role.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Conventional Loans<\/span><\/strong><span data-preserver-spaces=\"true\">: You may be eligible 2 years after the discharge date or 4 years after the dismissal date.<\/span><\/li>\n<\/ul>\n<p>[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;Rebuilding Your Credit&#8217; tag=&#8217;h2&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-1yh70dq&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lojghtz5&#8242; custom_class=&#8221; admin_preview_bg=&#8221;]<\/p>\n<h3><span data-preserver-spaces=\"true\">Strategies to Improve Your Creditworthiness<\/span><\/h3>\n<p>We have an entire <a href=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/rebuild-credit-bankruptcy-6-steps-step-1\/\">blog post that discusses rebuilding your creditor<\/a> after bankruptcy. However, here are some quick tips:<\/p>\n<ul>\n<li><strong><span data-preserver-spaces=\"true\">Timely Payments<\/span><\/strong><span data-preserver-spaces=\"true\">: Ensure all your current payments, such as utilities and rent, are paid on time.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Secured Credit Cards<\/span><\/strong><span data-preserver-spaces=\"true\">: Consider using a secured credit card to rebuild your credit.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Credit Builder Loans<\/span><\/strong><span data-preserver-spaces=\"true\">: These loans are designed to help individuals build credit.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Credit Mix<\/span><\/strong><span data-preserver-spaces=\"true\">: Having a mix of credit types (like a credit card and an installment loan) can help your credit score.<\/span><\/li>\n<\/ul>\n<p>[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;Considering Loan Options&#8217; tag=&#8217;h2&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-5d109a&#8217;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lojgia9r&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<\/p>\n<h3><span data-preserver-spaces=\"true\">Special Loan Programs<\/span><\/h3>\n<ul>\n<li><strong><span data-preserver-spaces=\"true\">FHA Loans<\/span><\/strong><span data-preserver-spaces=\"true\">: Offered by the Federal Housing Administration with lower down payments.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">VA Loans<\/span><\/strong><span data-preserver-spaces=\"true\">: Available to veterans and often require no down payment.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">USDA Loans<\/span><\/strong><span data-preserver-spaces=\"true\">: Aimed at rural homebuyers and typically do not require a down payment.<\/span><\/li>\n<\/ul>\n<h3><span data-preserver-spaces=\"true\">Conventional Loans<\/span><\/h3>\n<p><span data-preserver-spaces=\"true\">Conventional loans are not government-backed and usually have more stringent credit requirements. However, they may offer more competitive interest rates for those who qualify.<\/span><br \/>\n[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;Steps to Homeownership After Bankruptcy&#8217; tag=&#8217;h2&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-1asbkb2&#8242;][\/av_heading]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lojgimml&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<\/p>\n<ol>\n<li><strong><span data-preserver-spaces=\"true\">Understand the Waiting Periods<\/span><\/strong><span data-preserver-spaces=\"true\">: Knowing the timelines for different loan types is critical.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Rebuild Credit<\/span><\/strong><span data-preserver-spaces=\"true\">: Start immediately to repair your credit post-bankruptcy.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Save for a Down Payment<\/span><\/strong><span data-preserver-spaces=\"true\">: The larger your down payment, the better your loan terms could be.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Maintain Steady Employment<\/span><\/strong><span data-preserver-spaces=\"true\">: Lenders will look for a stable income history.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Pre-Approval<\/span><\/strong><span data-preserver-spaces=\"true\">: Once ready, get pre-approved for a mortgage to understand your buying power.<\/span><\/li>\n<\/ol>\n<p>[\/av_textblock]<\/p>\n<p>[av_heading heading=&#8217;Frequently Asked Questions (FAQs)&#8217; tag=&#8217;h2&#8242; link_apply=&#8221; link=&#8217;manually,http:\/\/&#8217; link_target=&#8221; style=&#8221; size=&#8221; subheading_active=&#8221; subheading_size=&#8217;15&#8217; margin=&#8221; padding=&#8217;10&#8217; color=&#8221; custom_font=&#8221; custom_class=&#8221; admin_preview_bg=&#8221; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av-medium-font-size-title=&#8221; av-small-font-size-title=&#8221; av-mini-font-size-title=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-mztdfy&#8217;][\/av_heading]<\/p>\n<p>[av_toggle_container initial=&#8217;0&#8242; mode=&#8217;accordion&#8217; sort=&#8221; styling=&#8221; colors=&#8221; font_color=&#8221; background_color=&#8221; border_color=&#8221; hover_colors=&#8221; hover_background_color=&#8221; hover_font_color=&#8221; colors_current=&#8221; font_color_current=&#8221; background_current=&#8221; background_color_current=&#8221; background_gradient_current_color1=&#8221; background_gradient_current_color2=&#8221; background_gradient_current_direction=&#8217;vertical&#8217; av_uid=&#8217;av-lojgrjl4&#8242; custom_class=&#8221;]<br \/>\n[av_toggle title=&#8217;Can I buy a house after bankruptcy without a waiting period?&#8217; tags=&#8221; av_uid=&#8217;av-6jw4kz2&#8242;]<br \/>\n<span data-preserver-spaces=\"true\">No, all mortgage loans have a mandatory waiting period after bankruptcy before you can qualify.<\/span><br \/>\n[\/av_toggle]<br \/>\n[av_toggle title=&#8217;Does filing a Chapter 13 bankruptcy allow me to buy a house sooner than Chapter 7?&#8217; tags=&#8221; av_uid=&#8217;av-61d6t4e&#8217;]<br \/>\n<span data-preserver-spaces=\"true\">Potentially, yes, because you can show a responsible payment history through the repayment plan.<\/span><br \/>\n[\/av_toggle]<br \/>\n[av_toggle title=&#8217;Will I have to pay higher interest rates on a mortgage after bankruptcy?&#8217; tags=&#8221; av_uid=&#8217;av-5pfmk5q&#8217;]<br \/>\n<span data-preserver-spaces=\"true\">Initially, you may face higher rates due to the risk lenders associate with your financial history.<\/span><br \/>\n[\/av_toggle]<br \/>\n[av_toggle title=&#8217;How can I speed up my credit recovery after bankruptcy?&#8217; tags=&#8221; av_uid=&#8217;av-59nn11q&#8217;]<br \/>\n<span data-preserver-spaces=\"true\">Focus on building positive credit habits, like paying bills on time and keeping credit balances low.<\/span><br \/>\n[\/av_toggle]<br \/>\n[av_toggle title=&#8217;Are there any lenders who specialize in post-bankruptcy home loans?&#8217; tags=&#8221; av_uid=&#8217;av-4ugjt9q&#8217;]<br \/>\n<span data-preserver-spaces=\"true\">Yes, some lenders may offer programs for individuals with a bankruptcy in their credit history.<\/span><br \/>\n[\/av_toggle]<br \/>\n[av_toggle title=&#8217;How does bankruptcy affect my credit score?&#8217; tags=&#8221; av_uid=&#8217;av-4d10xny&#8217;]<br \/>\n<span data-preserver-spaces=\"true\">Bankruptcy can significantly lower your score, but the impact lessens over time, especially with good credit behavior.<\/span><br \/>\n[\/av_toggle]<br \/>\n[av_toggle title=&#8217;Can I get a home loan with a co-signer after bankruptcy?&#8217; tags=&#8221; av_uid=&#8217;av-4110t4e&#8217;]<br \/>\n<span data-preserver-spaces=\"true\">Yes, a co-signer with good credit can improve your chances of qualifying for a mortgage.<\/span><br \/>\n[\/av_toggle]<br \/>\n[av_toggle title=&#8217;How important is the debt-to-income ratio when applying for a mortgage post-bankruptcy?&#8217; tags=&#8221; av_uid=&#8217;av-3if60em&#8217;]<br \/>\n<span data-preserver-spaces=\"true\">It&#8217;s crucial; lenders will want to see that you have a manageable level of debt compared to your income.<\/span><br \/>\n[\/av_toggle]<br \/>\n[av_toggle title=&#8217;Can I use a manual underwriting mortgage process after bankruptcy?&#8217; tags=&#8221; av_uid=&#8217;av-2z0747i&#8217;]<br \/>\n<span data-preserver-spaces=\"true\">Yes, manual underwriting is an alternative if you don&#8217;t meet traditional lending criteria.<\/span><br \/>\n[\/av_toggle]<br \/>\n[av_toggle title=&#8217;What should be my first step towards buying a house after a bankruptcy discharge?&#8217; tags=&#8221; av_uid=&#8217;av-2d4zs5q&#8217;]<br \/>\n<span data-preserver-spaces=\"true\">Consult with a financial advisor to create a plan to rebuild your credit and save for a down payment.<\/span><br \/>\n[\/av_toggle]<br \/>\n[\/av_toggle_container]<\/p>\n<p>[av_hr class=&#8217;default&#8217; height=&#8217;50&#8217; shadow=&#8217;no-shadow&#8217; position=&#8217;center&#8217; custom_border=&#8217;av-border-thin&#8217; custom_width=&#8217;50px&#8217; custom_border_color=&#8221; custom_margin_top=&#8217;30px&#8217; custom_margin_bottom=&#8217;30px&#8217; icon_select=&#8217;yes&#8217; custom_icon_color=&#8221; icon=&#8217;ue808&#8242; av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av_uid=&#8217;av-21qaz2m&#8217;]<\/p>\n<p>[av_textblock size=&#8221; font_color=&#8221; color=&#8221; av-medium-font-size=&#8221; av-small-font-size=&#8221; av-mini-font-size=&#8221; av_uid=&#8217;av-lojgjb9r&#8217; custom_class=&#8221; admin_preview_bg=&#8221;]<br \/>\n<span data-preserver-spaces=\"true\">Remember, while bankruptcy may feel like an endpoint, it can also represent a fresh start, especially with thoughtful planning and guidance. As a consumer bankruptcy attorney, I&#8217;m here to support you on your journey back to financial health and achieving your dream of homeownership. For more tailored advice, please visit our\u00a0<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/bankruptcy-information\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Duncan Law bankruptcy informational page<\/span><\/a><span data-preserver-spaces=\"true\">.<\/span><br \/>\n[\/av_textblock]<\/p>\n<p>[av_hr class=&#8217;default&#8217; height=&#8217;50&#8217; shadow=&#8217;no-shadow&#8217; position=&#8217;center&#8217; custom_border=&#8217;av-border-thin&#8217; custom_width=&#8217;50px&#8217; custom_border_color=&#8221; custom_margin_top=&#8217;30px&#8217; custom_margin_bottom=&#8217;30px&#8217; icon_select=&#8217;yes&#8217; custom_icon_color=&#8221; icon=&#8217;ue808&#8242; av_uid=&#8217;av-1tplvu6&#8242;]<\/p>\n<p>[av_social_share title=&#8217;Share this entry&#8217; style=&#8221; buttons=&#8221; share_facebook=&#8221; share_twitter=&#8221; share_pinterest=&#8221; share_gplus=&#8221; share_reddit=&#8221; share_linkedin=&#8221; share_tumblr=&#8221; share_vk=&#8221; share_mail=&#8221; av_uid=&#8217;av-1b6o3zi&#8217;]<\/p>\n<p>[av_comments_list av-desktop-hide=&#8221; av-medium-hide=&#8221; av-small-hide=&#8221; av-mini-hide=&#8221; av_uid=&#8217;av-w0cram&#8217;]<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":12902,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[5,6,7,8,79,10],"tags":[],"class_list":["post-12878","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-after-you-file","category-bankruptcy","category-chapter-13","category-chapter-7-2","category-discharge","category-duncan-law-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - 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