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.
In contrast, Chapter 13 bankruptcy is designed to take a bit longer, but this chapter may offer unique, long-lasting debt relief. The typical Chapter 13 case takes between 36 and 60 months, or three to five years.
At least 24 months must have elapsed since the discharge date of a Chapter 7 Bankruptcy. The discharge date should not be confused with the date bankruptcy was filed. As with Chapter 13 bankruptcy, FHA regulations demand a full explanation to be submitted with the FHA home loan application.