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Can I Rent an Apartment if I File Bankruptcy?

This is a great question to ask an attorney when you are considering bankruptcy. Many of my clients rent and worry whether they will have somewhere to live after the bankruptcy is over. Some landlords prefer not to rent to someone who has filed for bankruptcy.
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Can I Rent an Apartment if I File Bankruptcy?
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Filing for bankruptcy can be a tough decision, but it offers a fresh financial start for those struggling with debt. However, many individuals worry about the implications it may have on their housing situation, particularly their ability to rent an apartment. In this blog post, we will address the common concern of whether you can rent an apartment after filing for bankruptcy and shed light on what tenants should expect during the application process.

Can I Rent an Apartment if I File Bankruptcy?

The short answer is yes. When contemplating bankruptcy, it’s essential to seek guidance from a knowledgeable attorney who can provide personalized advice for your situation. Many individuals who rent are concerned about finding a new place to live after the bankruptcy process is complete. Some landlords might have reservations about renting to someone who has filed for bankruptcy, but the good news is that not all landlords share this sentiment.

Landlords’ Perspective:

While some landlords may be hesitant to rent to individuals who have bankruptcy on their record, many others are more understanding. In fact, some rental properties explicitly advertise their openness to tenants with past bankruptcies. Therefore, it’s crucial not to feel discouraged or assume that all doors will be closed due to a bankruptcy filing.

Honesty Is the Best Policy:

When applying for a rental property, it’s essential to be honest and upfront about your financial history. Landlords typically require applicants to fill out a rental application that includes questions about their financial background. If you have filed for bankruptcy, don’t try to conceal this information. Instead, check the appropriate box or provide the necessary details truthfully.

Benefits of Renting After Bankruptcy:

Renting an apartment after bankruptcy can have its advantages. For instance, landlords may be more willing to overlook past financial difficulties if they see that you have taken steps to rebuild your credit and demonstrate responsible financial behavior since the bankruptcy filing. Additionally, renting provides the flexibility to establish a stable housing situation while you work on improving your financial standing.

Tips for Securing a Rental:

  1. Prepare a Letter of Explanation: Consider drafting a letter of explanation to accompany your rental application. In this letter, you can briefly discuss the circumstances that led to the bankruptcy and emphasize the positive steps you’ve taken towards financial recovery.
  2. Provide References: Supplying references from previous landlords or employers who can vouch for your reliability and responsible behavior can enhance your application’s credibility.
  3. Offer a Larger Security Deposit: To alleviate potential concerns from the landlord’s perspective, you may consider offering a larger security deposit as a gesture of good faith.
  4. Seek a Co-Signer: If possible, having a co-signer with a strong credit history can reassure landlords and increase your chances of being approved for the rental.


In conclusion, renting an apartment after filing for bankruptcy is indeed possible. While some landlords may have reservations, many are open to renting to individuals who have undergone bankruptcy. Honesty and transparency during the rental application process are crucial, as they demonstrate integrity and responsibility. Moreover, taking proactive steps to improve your financial standing and offering additional assurances can boost your chances of securing the rental property you desire. Remember that bankruptcy is an opportunity for a fresh start, and finding a new home is part of that journey.

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