Have filed Chapter 13, house in foreclosure. How do I find a landlord who will rent to me now?
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Private individual(s), more than a few won't (or can't) run credit checks but that's about your only bonus, they'll kick you out all the same if you don't pay, not trying to be a hard nose or judgemental but just saying.
Yeah, check the ads or ask around, you want to find someone who is not affiliated or working for some realtor company but owns maybe a few apartments in a big house that's been converted for this, small time landlords basically and likely you'll have to go a bit out of the usual way looking.
Good luck.
Under chapter 13, the foreclosure is stopped. Can you not afford via your chapter 13 plan to make the payments and arrears? If you think you can, you should try to keep your home.
If not, look in the newspaper for noncommercial landlords that are not a big company, but an individual person. That gives you an opportunity to explain your situation.
that is easy i rent to fellows like you because once you file chapter 13 you can file again for seven years,and you have no way out,but to pay in time
Do your normal search everywhere you go and don't bring up bankruptcy unless the property owners/management do, and explain yourself. Most likely they will ask for two to three month deposit depending how your screening went.
Why did you file for chapter 13?? Why didn't you sell your house instead, you would have profited instead of loosing out and damaging your credit for the next 7 yrs. Good luck!!
Well, landlord's who don't check credit don't advertise that fact in the paper, so you'll have to approach renting in a slightly more creative way.
When you meet with a leasing agent/landlord and discuss the requirements, ask if there is a credit check involved. If so, tell them that you would like your credit not to be checked. Make up any story you want if they ask -- you were a victim of identity theft, you don't have a credit report and you don't want them to open a file on you just for an apartment rental, etc. Offer to give the landlord additional months paid in advance, or a larger security deposit. The prospect of more cash right now will probably get you around any requirements, if the landlord is reasonable.
There are probably more than enough landlords who don't even check credit, and you can just interview with enough of them until you find one (usually the owner of a house or small building). But if you are looking for an apartment in a larger building or with a property management company, you might have to make up a little bit different story that will explain that you do not want your credit checked.
Good luck,
ForeclosureFish
http://www.foreclosurefish.com/...
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