Jose Dias, REALTOR
email: jose at MyFirstHouseAZ.com
you need to get together with you lender and make a plan of what you need to do , with that plan put it into action and down the road you will be able to get a home, but you have to follow closely the plan.
have a great day
Pay off the apartment that he owes money. You might be able to negotiate a settlement for less than owed if you offer a lump sum payment. Be sure to keep records of payment and get something in write from them stating it is settled.
Second option is set up a payment plan with the apartment. After several months of making regular payments, a new landlord may work with you if they see you working towards paying off this amount.
Find a landlord who does not care about past judgments or who does not do background checks. You will have very limited options and dealing with this type of landlord may not be ideal. You might be also paying a much higher rate than for similar homes. Be careful as there are a lot of scams going around. If something seems too good to be true, it probably is.