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Updated about 1 year ago on .

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Need a HELOC after a Chapter 13 Discharge

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Hi everyone.  We just got out of a Chapter 13 bankruptcy in December.  We have owned a duplex since 2018. It's in a really good location. It's increased in value a good amount. We just closed on a $550,000 home and plan on renting the duplex out. It will be a rental cash cow however we need to renovate it because it's stuck in 1970.  We need to tap into some of that equity.  Are there any banks who don't care much about the chapter 13 if we can show the equity, our incomes, our cash, our credit scores are good, and our payment history are all good?  Anyone else been through this?  And please don't respond if you're not going to be helpful or respectful.  Thank you!