Apartment renting and Ch.13

[chakra7]

Hi. I'm hoping someone can help me out here. I'm currently in a Ch.13 that will be paid off by the sale of my home which has a closing date set for Oct. 30. The apartment I've applied for will be available Nov. 1. Today, the apartment leasing office is saying their company requires six-month payment of rent in advance and a letter stating discharge in order to rent to someone with a bankruptcy, but that they will see if exceptions are made. I tried explaining that technically I won't be in a bankruptcy after my house closes on Oct. 30, although on paper or officially it won't be until most likely sometime in Nov. My attorney's office says the trustee will probably pay-out to all by Nov. 1. The attorney's office says they can file something with the trustee explaining all of this that I would then give to the apartment complex to verify exactly when I am no longer under the bankruptcy.

However, this paying six month in advance is a bit much to me??? If you are in a bankruptcy or just gotten out of one, and am trying to rent somewhere - affordable I might add (three bedroom at $780) for a six month lease, how on earth would you have an extra $5,000-$6,000 laying around to pay up front? This is just unrealistic to me. And the fact that you are renting means you are trying to start over and get control of your finances. The apartment manager said something to the effect of those requirements are to ensure the apartment is not listed in the Bk, which still doesn't make sense because this lease is occuring after I filed, not before; and I wouldn't be able to turn around and re-file anyway after only being discharged as soon as Nov.

Any input welcome.

[rrockinggramma]

When I rented, the apartment complex was willing to accept a letter from my attorney stating that because I was renting POST PETITION, if I messed up on the rent, it was MY responsiblity and COULD NOT be added to my current chapter 13. See if that would work for them.