Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do: (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.

Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Renting after BK with previous debt to apartments

  • Filter
  • Time
  • Show
Clear All
new posts

  • Renting after BK with previous debt to apartments

    Mods, please advise if this is in the correct forum…

    My BK is scheduled to be discharged in April. I am currently living in a house with my boyfriend and his mother and brother; I pay rent to his mom. We do eventually want to get a place of our own together (we are thinking next summer 2015). I have balances owed to 2 previous apartments (move out and broken lease fees, etc) that are included in the BK. I know those debts will be discharged, but will they hurt my future chances of getting a rental? Will it help at all to pay those off or should I just work on putting that money towards a deposit/savings?

    Any advice is appreciated, thank you!

  • #2
    An eviction is the #1 reason why you would not be able to qualify for what I'd call a "traditional" lease through a management company. As a former landlord, my screening services, SafeRent, instructs us to never rent to anyone with an eviction (period). If you were not evicted, then you may be able to lease through property management companies in the future. There is no way to tell because I can't tell you what's in your rental history records. (There is a shadow "credit reporting" repository that tracks rental history. The major source is run by Equifax and providers, such as SafeRent, provide access to that data for landlords to make informed decisions.)

    You can always go through private landlords that will typically be more relaxed and even accept a suitable reason for your past rental problems. I know that many "national" management companies will not rent to anyone within 1 year of filing bankruptcy, so that could become an issue.

    It will not help to pay those off. It is a waste of money if the debt is discharged. The problem is the fact that you have a judgment or owe a prior leasing company for a broken lease. Only time can really cure that issue.

    To me, it reads as if they were not evictions, but merely that you broke the lease by moving out early. With some time, that may lessen any issues in the future, but you will still need to have strong credit.
    Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
    Status: (Auto) Discharged and Closed! 5/10
    Visit My BKForum Blog: justbroke's Blog

    I am not an attorney. Any advice provided is not legal advice.


    • #3
      Yes, you are correct in that they were broken leases where I moved out before the lease was up. It will be more than 1 year after filing when we even start to look (We are not nearly ready for that step yet). After my first BK in 2005, I did get an apartment in 2006 once I showed proof of discharge. But I hadn't had any previous rental history at that time.

      So what I'm getting is that I should work on my credit and put money towards a deposit rather than worrying about those past balances? :-) If wee could find a private owner that would be great. But most of those in this area are renting houses and DBF says that is a total waste (I am not 100% sure I agree with him on that but oh well)


      • #4
        Yes, work on your credit by paying bills on time and not charging credit cards over 10-30%. Re-establish credit after your discharge by obtaining a few (2-3) revolving credit cards to have some credit history available for the scoring system. You should have a savings for the deposit, moving costs, and a general rainy day fund. In most cities and States, there are rules on how much "deposit" a landlord can charge a tenant.

        Beware of any landlord that asks for more than 2 month's deposit or flouts their "bad credit / no credit" leases. Typically, you're paying a premium for those services and in some cases they are untrustworthy.
        Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
        Status: (Auto) Discharged and Closed! 5/10
        Visit My BKForum Blog: justbroke's Blog

        I am not an attorney. Any advice provided is not legal advice.


        • #5
          Also, do places like this "SafeRent" allow people to look at their own rental history? Same way you can look at your own credit report and dispute things if needed.


          • #6
            Originally posted by Spaghetti42 View Post
            Also, do places like this "SafeRent" allow people to look at their own rental history? Same way you can look at your own credit report and dispute things if needed.
            There was a time when either Equifax or LexisNexis allowed individuals to review their rental, automotive and insurance scores. I am not sure that they are available to an individual. If you search Google for SafeRent, they do list a "consumer" contact phone number. Maybe you could inquire by calling them.


            You may obtain a copy of your CoreLogic SafeRent consumer file in one of two ways:

            1) Call our toll-free number 1-888-333-2413.
            2) Go to the following web site:
            Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
            Status: (Auto) Discharged and Closed! 5/10
            Visit My BKForum Blog: justbroke's Blog

            I am not an attorney. Any advice provided is not legal advice.


            • #7
              Good to know, thanks!


              Unconfigured Ad Widget