In that time, I’ve watched clients go from discharged bankruptcy to closing day — sometimes faster than anyone expected. I’ve also watched agents lose those clients because they assumed the deal was dead before it started. How bankruptcy actually affects the home buying processThere are two types most agents will encounter: Chapter 7 and Chapter 13. Be honest with your clients about the timelineSome clients will be ready to move now. The agents who understand that—who take the time to educate rather than dismiss, to guide rather than judge—those are the agents clients come back to.