When I filed my chapter 13 one year ago, I included navy fed and burned them for about 4k, not including the auto loan I kept with them and continuing to pay on through my plan. I wish I never burned them because they are by far the best CU out there. However, I know nfcu doesn't have a short memory and I believe them told me 7 years before they even look at me again, but I wanted to know that if I offered to pay them back, will they let me in sooner than 7 years?
