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Bankruptcy Help For Everyday People

Will I be able to rent an apartment after my bankruptcy?

| Oct 13, 2016 | Chapter 13 |

If you are looking for a new place to live in North Carolina after a bankruptcy, you may be worried that landlords will reject you because of your financial history. While the odds may not be entirely in your favor, here are some steps that you may wish to take to increase your chances of landing the apartment you want.

The primary thing many landlords look for in a tenant is proof that they have a job and a steady income. Therefore, showing your pay stubs or bank statements may be enough to demonstrate that you will be able to pay your monthly rent. Also, Tough Nickel points out that apartment complexes owned by large companies may be less flexible when it comes to who they are willing to rent to. A smaller complex or one owned by a private individual or business may be more likely to take a chance on someone with a less than perfect credit history.

In addition, some landlords may be willing to work with you if you can prove that you have rented responsibly in the past and you are up front with them about your bankruptcy. It may be helpful to provide references of friends or colleagues who can put in a good word for you.

If you find that you are unable to get into the place you want right now, taking steps to build your credit score back up by using credit responsibly and making payments on time may help you get your dream apartment in the future. This is general information on this topic and should not be considered legal advice.