Established Contributor
Posts: 970
Registered: ‎01-01-2014

Re: Bankruptcy FAQs

Great resource! Thank you so much for putting this together! As one who went through a ch7 four years ago, I agree with a lot of the information presented in the FAQs.


One thing I did notice that I believe may be inaccurate is "You have to be a US citizen to file."  That is not true.  I was a permanent resident when I filed (now a citizen as of March 2013 woo hoo!) and had no issues concerning that.  Now I don't know if you have to at least be a permanent resident but I do know you didn't have to be a US citizen when I filed.  Maybe it has changed since 2010?

Current scores: myFICO: 670/TU(Wal): 664/TU(Dis): 659 (Goal: 700)
Last app: 1/3/2014; (Prayerfully!) gardening until: 7/3/2014

~I'm living for an audience of One!
Established Member
Posts: 16
Registered: ‎05-24-2013

Re: Bankruptcy FAQs

I just checked and it says under my chapter 13    Case Status:  Completed SD....and Date closed 2/12/14....Can someone tell me what SD stands for?  also, I have over 3,000.00  balance on hand...will this money get refunded to me  since case is closed or get sent to creditors?   Appreciate any info...

Never Look Down on Anyone Unless You are Helping Them Up
New Visitor
Posts: 3
Registered: ‎02-25-2014

Re: Bankruptcy FAQs

Thank you all for this great information. Now a days nearly all consumer bankruptcy attorneys offer free consultations . We can take good benefits of this  and can also get advice based on all of the details of  particular case.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.