Annette, with all due respect, first of all, R. has not yet stated that he/she was late on any payments. They also did not discuss the terms of the bankruptcy nor their current payment situation. Secondly, to say to this person "YOU ARE NOT A HOME BUYER" is, quite frankly, not just a far out judgment call on your part, but it is quite disrespectful. You don't know this person and you don't know their situation.
As I stated earlier (below) I have had a number of people come from this Trulia forum that were "beat up" with agents and brokers and loan officers telling them what they "can't' do. And unfortunately this advice what was dished out by seemingly knowledgeable people was false information. On the other hand, although I don't claim to walk on water, fortunately these people contact me and/or my loan officer and actually had someone take a good and deep look at their situation and found out that they CAN purchase a home, even when they were told.... "NOT gonna happen".
I respect you as part of our industry, a broker and even as a VIP member. All I ask is that you be very careful the kinds of negative things you tell these people that come on here asking for guidance. Just look at R. Mapa's closing comment. She/he said, "I want to buy a home, advice?" She came to us for help and guidance and is apparently looking for someone to help figure out the situation at hand, what are some of the options available, and if nothing else ..... some ADVICE. Maybe R. needs to work with Heartland and get her credit fixed. Maybe R. needs to have a short sale and start over. But maybe, just maybe, Annette......R. Mapa is a well-intentioned person...in a tight spot....and can go out right now and purchase a new home and do the short sale at the same time. did you think of that?
I just closed one with someone from Trulia who simply needed some advice, some legal counsel from a good lawyer.....and we did the short sale and closed on their new home that they did on a contract for deed. And just for the record....we closed on the contract for deed AND they moved into their new home way before the short sale was even completed. And yet dozens of agents and loan officers told him and his wife; "I am sorry. This is 100% impossible. You cannot do this."
But it did work out.