@iwantbettercredit
I also filed a BK13 in Feb 2014. I only have 8 months remaining on
my 60 month repayment plan. After my discharge, I'll be following
your example and repaying my creditors 100 cents on the dollar.
So here are my "words of wisdom:" When we borrow money in good faith,
we are obligated to repay it in good faith. That's the reward. Nothing more,
nothing less. So if your BK creditors decide to do business with you after you've
made them whole, then consider it a bonus. But like others on this thread
have already pointed out, it's probably best to move on.
That's what I'm doing. For example, I drool all over the GARGANTUAN starting limits
and credit limit increases that Navy Fed hands out. But I burned them for 13k in my
BK 13. Once I repay them after my discharge, I'll have the satisfaction of knowing
that I paid them back. But I could care less if they ever extend credit to me again.
That's why I'll be moving on to establish a new relationship with Pen Fed, and I'll be
renewing a 10 year relationship I have with USAA. The important thing is that we learn
our lessons, and we act like we've learned them by using credit responsibly going forward.
Hope this helps. Please forgive me if this comes across as condescending.
That's not my intention. But my advice to you is don't cry over spilled milk.
Now that you've repaid your creditors, don't waste your valuable time and energy
worrying about things you can't control. It sounds like you're back on track,
so just take it one day at a time. Congrats on your recovery and your progress!
