SmorgasBoard

[MarineVietVet]

I was clearing out some old files last night and came across the paperwork for my BK from 1993. I had forgotten several things:

* There were 2 pending lawsuits from First USA before we filed.

* Citi was one of the creditors. I guess their memory on BK's doesn't last too long because I got another card from them in 2003.

* The cost was $1,150. Does anyone care to reveal what filing cost them for comparison? Of course I realize that almost 20 years have passed and prices probably vary      widely depending on where you live.

[marty56]

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MarineVietVet wrote:

* There were 2 pending lawsuits from First USA before we filed.

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Didn't First USA get absorbed by Chase?  LOL so it seems they like to chase what matters themselves but then they forget about it.

Great thread and thanks for sharing a difficult chapter of your life.  I never would have guessed that Chase didn't blacklist.

LOL there may be hope for Marty to have a BofA CC.  Sorry I don't forget so that is DOA. 

[MarineVietVet]

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marty56 wrote:

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MarineVietVet wrote:

* There were 2 pending lawsuits from First USA before we filed.

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Didn't First USA get absorbed by Chase?  LOL so it seems they like to chase what matters themselves but then they forget about it.

Great thread and thanks for sharing a difficult chapter of your life.  I never would have guessed that Chase didn't blacklist.

LOL there may be hope for Marty to have a BofA CC.  Sorry I don't forget so that is DOA. 

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I think it was Chase that bought out First USA. but am not certain.

[Booner72]

We filed ourselves through "We the People" and it was less than 500 dollars for everything.

They gave us copies of our credit reports, sat down with a little "how to" lesson, and off I went............The biggest things were car repo and BIG TIME medical.

[aussiesareforever]

I paid for my papers today through PACER. I had tossed my original records since that time of my life was such a horrible period but decided I should probably have a copy just in case I need it someday.

I filed in 2008. Paid $800 to my lawyer in two installments and $399 to the courts so roughly about $1200 total. I had one pending lawsuit from Capital One. I forgot about that fact and found that pretty hilarious since they offered me a credit card a month after my discharge (also just confirmed that information today. Was under the wrong assumption that they gave me a card 2-3 months post discharge). I had 13 accounts included for a grand total of about $14,000, all unsecured debt. Looking back today, I wish I knew about other options as I probably wouldn't have filed at all (I made $24000/year back then)

All in all, it is a period in my life I'm glad is over and I'm moving on. I pray that I won't make the same mistakes again or find myself in a situation where I have to consider BK.