I have been in chapter 13 bankruptcy for 3 and a half years with one year left, building my credit slowly. I have tried several times to buy a home with most payments, insurances, and taxes but with no results, the minute they know I am in bankruptcy I get the same story call back one or two years after I have cleared. I have not faulted on any payments of any kind. I thought bankruptcy was the governments way of letting you have a new start. I am a vet and have been pre approved for a government VA loan, and still I get the same story your in bankruptcy call us when you clear. Is there any where out there where I can go and not be burdened with this thing over my head.