can I get a helco,after one plus years of bankruptcy

Unlike the main loan, there is no standard set of rules for home equity loans. Basically each lender makes up their own rules. With that said, most tend to follow pretty similar guidelines. Not saying impossible, but just one year out of bankruptcy is generally going to be a no. Many say OK after two years. All you can do is call multiple lenders and see what they say. Good Luck!

More info needed.. you said "one plus years of bankruptcy".. are you 1 year out of a bk, or are you in a CH11 and have been making payments for a year? Regardless, for both scenarios, it's highly unlikely.. 2nd position loans are very risky for most lenders, and for that reason, they require much better credit to qualify.. so 1 year out of a BK.. nope.. 1 year of "on time" payments.. still NO!!.. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893