The Fourth Amendment applies to a search only if a person has a legitimate expectation of privacy in the place or thing searched. If not, the amendment offers no protection because there are, by definition, no privacy issues.
Chapter 7 bankruptcy, which is typically used by people in debt who have limited income, usually takes between four and six months. First, filers give the bankruptcy court a detailed petition that lists, among other things, their debts, their assets, and the names of their creditors.
If you: 1  Declared Chapter 7 bankruptcy, you usually must wait two years from the date of discharge before qualifying. 2  Lost a home through foreclosure, you must wait three years. 3  Are delinquent on a federal debt, such as a student loan or income taxes, you can't get an FHA loan.