' Can I Get an Apartment After Filing for Bankruptcy? - Law Offices of Robert M. Geller, P.A.

Can I Get an Apartment After Filing for Bankruptcy?

can I get an apartment after filing for bankruptcyFiling for bankruptcy often feels challenging and overwhelming. It also raises a variety of concerns. One of the most common is whether filing for bankruptcy affects someone’s ability to rent an apartment.

While bankruptcy can impact your credit and financial standing, it doesn’t necessarily mean that you won’t be able to rent an apartment. What do you need to know about renting an apartment after filing for bankruptcy?

Impact of Bankruptcy on Apartment Rentals

It’s important to understand that filing for bankruptcy affects your credit score. Filing can make it more challenging to pass a credit check or have a rental application approved when applying for an apartment. Landlords and property managers often review credit reports and may be hesitant to rent to someone with bankruptcy on their record.

Factors to Consider

While bankruptcy can make renting an apartment more challenging, it’s not necessarily a deal-breaker. Several factors can influence your ability to secure housing after bankruptcy:

  • Type of Bankruptcy: The type of bankruptcy you file (Chapter 7 or Chapter 13) can impact your ability to rent an apartment. Chapter 7 bankruptcy typically stays on your credit report for ten years, while Chapter 13 stays for seven years. However, individuals in Chapter 13 may have a better chance of renting an apartment, as it involves a repayment plan and may show a commitment to resolving debts.
  • Recent Payment History: Landlords may be more willing to overlook a past bankruptcy if have a recent history of timely payments on other bills, such as rent or utilities.
  • Income and Employment Stability: Demonstrating a stable income and employment history reassures landlords of your ability to pay rent on time. Providing proof of income, such as pay stubs or employment verification, can strengthen your rental application.
  • Rental History and References: Having a positive rental history and strong references from previous landlords can bolster your application and mitigate concerns about your financial past.

Importance of Seeking Legal Guidance

Navigating the complexities of bankruptcy and its implications for housing can be daunting. This is one reason why seeking the assistance of a bankruptcy attorney is crucial. A knowledgeable attorney can provide guidance and support throughout the bankruptcy process. They’ll explain your rights, help you explore your options, and address any challenges that may arise.

Additionally, a bankruptcy attorney can advise you on how to rebuild your credit and financial standing after bankruptcy, which can improve your chances of securing housing in the future. They can also provide valuable insight into your rights as a tenant and help you understand any legal implications related to renting an apartment post-bankruptcy.

While filing for bankruptcy may present challenges when it comes to renting an apartment, it’s not impossible. By understanding the factors that can influence your ability to secure housing and seeking the assistance of a bankruptcy attorney, you can navigate the process with confidence and work towards rebuilding your financial future.

If you’re concerned about rental application denial due to bankruptcy or you’d like to speak to someone about filing for bankruptcy, we can help. Contact the Law Offices of Robert M. Geller at (813) 254-5696 to schedule a free consultation with an experienced attorney.


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Law Offices of Robert M. Geller, P.A.
807 West Azeele Street
Tampa, FL 33606
T: (813) 254-5696
T: (800) 853-7549
F: (813) 253-3405

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St. Petersburg, FL 33701
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