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When to make your move

By Cathy Moran

My colleague Susanne Robicsek wrote about the implications of a state to state move on filing bankruptcy. Where you live and how long you have lived there drive where you file and what exemptions are available.

A different issue arises when you contemplate moving from a house that’s been foreclosed to rental housing in the same area. The impact of a bankruptcy filing on potential landlords is one of the things I have found hardest to predict for clients. Some landlords want an elaborate application, references, and a credit check; others want far less.

It is my sense that if you must secure rental housing around the time you expect to file bankruptcy, you are better off shopping for and leasing before you file bankruptcy. While your credit score may be poor, being a debtor in a pending bankruptcy is usually scarier for a landlord.

Like any credit transaction you complete before filing bankruptcy, make sure to be completely honest in answering any questions put by the landlord. Lying on your application may invalidate the agreement. You don’t have to volunteer bad news, but don’t willfully misstate the facts.

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About Cathy Moran

I'm a veteran bankruptcy lawyer and consumer advocate in California's Silicon Valley. I write, teach, and speak in the hopes of expanding understanding of how bankruptcy can make life better in a family's future.

Bankruptcy Basics

About The Soapbox

You’ve arrived at the Bankruptcy Soapbox, a resource of bankruptcy information and consumer law.

Soapbox is a companion site to Bankruptcy in Brief, where I try to be largely explanatory and even handed (Note I said “try”).

Here, I allow myself to tell stories and express strong opinions. We dig deeper into how to consider bankruptcy and navigate a bankruptcy case.

Moran Law Group
Bankruptcy specialists for individuals and small businesses in the San Francisco Bay Area

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