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  1. creditescapesme
    Bk chapter 7 discharged in 9/2010 Filed Bk Chapter 13 after the Chapter 7 discharge to save the house, but the Bk Chapter 13 was dismissed shortly afterward (around 12/2010) because all debts were already discharged in the Chapter 7 and I did not have a job. In Bankruptcy court for Chapter 7, I agreed to allow the lender to foreclose. They did not start foreclosure even though NODs were previously issued. I pursued short sale. The short sale closed in 12/2011. I am getting conflicting responses to the following questions: When can I qualify for a loan? Are we counting from the BK Chapter 7 discharge, the Chapter 13 dismissal or the close of escrow of the short sale? Could I qualify for first time homebuyer assistance?

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