@Lambo23 wrote:
I am going to be filing chapter 7 in the next few months. 60k in credit cards will be included in the bankruptcy on pretty much every major bank or credit union. I have been paying dicover every month because the balance is $900 with a $1300 limit and they were able to give me a payment plan. My question is should I include that in the bankruptcy or keep it and pay it off so that I have at least one major bank in my portfolio? When I bankrupt, will they see that and close my account? Im nervous to include them because I am not sure who will approve me after burning them and how long itll take to get new credit.
You should stop paying them now. Any payments a single unsecured creditor exceeding $600 in a month, within 90 days of your filing could be seen as preferential treatment of a creditor and could get your BK dismissed.
