Established Member
Justin93
Posts: 16
Registered: ‎12-18-2012
Bk question

Hello,

 

First off great site. I have been reading this site everynight for the past week or so. I currently have about 25k in cc debt, with my income slightly down (roughly 35k). Things are getting extremely tight, pretty much to the point where I have to select which bills I want to pay and which ones I don't. As of today, I have never paid a bill late in my life and I believe that is what is keeping my credit score avg bc my DTI is so high. My credit scores are around 647. My question is if I do file chap 7, should I cont. to pay on those bills that I want discharged so they are not late? Or will it not matter? Second question I have is how big of a impact can I  expect when/if I file? 100 points? more or less?

 

Thanks in advance!

 

Justin

BK discharged 06/13 Eq 585, Trans - 564 (May '14 648,632)
Barclay Rewards card - $2500 CL (Opened Dec 2013)
NFCU Cash rewards - $5000 CL (Opened Dec 2013)
NFCU secured - $500 CL (Opened June 2013)
Fingerhut $400 CL (Opened Oct 2013)
Victoria Secret $500 CL (Opened Nov 2013)