I get it, someone else's bankruptcy got put on my title. 

I'm hoping I don't have to claim bankruptcy. 

Then you'll need to check for bankruptcies and federal liens, but I can't remember if those are available online without a paid subscription service.Or, you can talk to a title company about just doing an "O&E" report (Ownership & Encumbrance).

Non assumable simply means there's no way for the seller to be removed from liability on the note.What if the seller received a CH7 bankruptcy discharge and the mortgage was included in the bankruptcy and not reaffirmed (this is the case). 

If your bag-in-hand is a mortgage that you can't repay or refinance, you may have to walk away from your investment, and perhaps your own home or other assets or even bankruptcy if you signed the documents to be on the hook, and such market falls do eventually come, so try to be ready instead of lucky. 

I tried to get them to refi but they have a history of bankruptcy . 

Freeing up money, getting out of real estate, divorce settlement, bankruptcy, etc. 

Hello, I have a recent bankruptcy discharge.

This is a brief overview of how I went from a family business employee (with 7 children), only earning 60k/yr, filing bankruptcy in early 2016, to someone who will be completely financially free 18 months after I purchased my 1st property May 15 2017.I began my Real Estate Study in late 2015, I mostly read books.

Foreclosures can take a while depending if a property goes into bankruptcy.