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@Anonymous wrote:
Today I officially filed Chapter 7. I am surrendering my 2014 Chevy Cruze. Have some secured and unsecured cards. My credit score last checked was 404. So used to paying cash so doesn't really matter. I have a Victoria Secret card that I have kept in good standing and did not include. My goal os to have a 700 credit score next year.
I have filed ch.7 and ch13 in my life, and helped my neice file ch.7 recently. I know you just filed, but to the best of my knowlege you can not choose to not include a creditor, and failure to do so could be grounds to dismiss, as it shows favoritism toward 1 unsecured creditor over another. Your attorney should be advising you of this. EDIT::::I just saw the date on the original post after posting this...I still wonder how you could have not included a creditor in the filing. I would imagine you have recieved a discharge by now.