Resources

Fair Debt Collection Practices

There are strict rules that collection agencies must follow when attempting to collect a debt. One of the most intimidating, and illegal practices they use, is to imply they are officially connected with a law enforcement or government agency.  The links below help to explain your rights under State and Federal law.

http://apps.leg.wa.gov/rcw/default.aspx?cite=19.16.250

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm

Credit Reporting

Your bankruptcy may be reported on your credit record for as long as 10 year. (see Fair Credit Reporting Act).

Home Loans after a bankruptcy

Every lender is different, but it may be worth your time to check with a qualified home loan advisor to discuss your situation. There may be loan options avaiable within a year or two after your bankruptcy discharge.

http://www.fha.com/

 

 

 

 

 

 

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