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.
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.