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20 Credit Advice Bad Borrowing from the bank: Property foreclosure, Small Sales, and you can Action unlike Foreclosures – Banned contained in this past three-years Chapter 7 – Prohibited contained in this prior 3 years Section 13 – Consumers with but really to-do cost (repayment package beginning) or have completed percentage regarding most recent 1 year often meet the requirements due to the fact a handbook underwrite. If currently during the Section thirteen, approval from personal bankruptcy courtroom required.
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