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    refinance 16 months after Chapter 7

    We had a chapter 7 that was discharged in April of 2021. We currently owe 282,000 and our home appraises at about 460,000 . Current interest rate is 4.625 We have about 5,000 in medical bills in last 6 months and about 15,000 in credit card debt we would like to put on a HELOC or refinance ...
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