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.
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.