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If you file bankruptcy you will be able to qualify for a home loan in 18-24 months. The loan will be at a higher interest rate and you will have a prepayment penalty for the first 2 to 3 years. This is to guarantee to the lender that they will receive your higher payments for those years, thus making a greater profit from their "risk." The good news, is once you have reestablished good credit by making your house payments on time, you can refinance at the end of that time period. But you MUST make all your payments on time!
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If you can go deeply into lovemaking, the ego disappears. That is the beauty of lovemaking, that it is another source of a glimpse of god
It's not about being perfect; it's about developing some skill at managing imperfection.
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