As an attorney, I rarely get involved when asked about anything related to credit scores or anything related to how your credit will be affected due to a short sale, foreclosure etc. I'll be frank with you, after a short sale where the average short seller has been behind anywhere from three to 12 months in payments, the seller's credit is shot for a long time. I would just guesstimate around five years, if not seven. So, therefore filing for a bankruptcy should be a serious consideration. Especially, if one still have a considerable amount of unsecured debt lying around.
*Please note that this is general information only, and not to be construed as legal advice, if you would like a consultation please feel free to call and make an appointment"
Law Offices of Chang & Scolavino, LLC
Paterson and Freehold, New Jersey
"Criminal, Real Estate, Litigation and Immigration Law"
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