Some really great answers below. Just one more thought. Tell the landlord/management company/leasing agent about your BK before you fill out an application and pay the credit report fee, and even before looking at the property. If they ask you why you are sharing this, tell them that you respect their time and did not want to waste it unnecessarily if they will not accept someone who has a BK on their record. I believe they will be impressed with both your honesty and your concern. Also, if after filing BK you have maintained a good payment record, point this out to them. With so many people being negatively impacted by this economy, recent payment history (say the past 3-12 months) is carrying more weight with many landlords these days.
Good luck in finding your new home. Dare to Dream.
Shel-lee Davis, QSCÂ®
Certified Distressed Property Expert â€“ CDPEÂ®
Short Sale & Foreclosure Resource â€“ SFRÂ®
Certified HAFA Specialist â€“ CHSÂ®
Your Real Estate Consultant for Life
RE/MAX Palos Verdes Realty