Re: Zero Consumer Debt filing for Bk can I keep any of my 16 cards
01-30-2013 04:36 AM
Ask your attorney about reaffirming. Remember, the judge has to approve reaffirmations, if you can reaffirm it might make sense to reaffirm sayyour three best cards.
Your score hit will be reduced because while negatives from before filing remain, you'll have none. Since you won't have discharged any debt on any of these cards (but it may be a problem if you discharged business debt to the same creditor) you may have an easier time regaining accounts..
Most cards monitor BK filings and will shut off even if you don't list them on your schedules.
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 4/2/2011 EQ 682 1/14/2011 TU 665
Current Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Goal Score: EQ 700 TU 700
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