Re: Zero Consumer Debt filing for Bk can I keep any of my 16 cards
01-31-2013 03:25 PM
Agree with above. I think your best bet is to close all accounts so it can report closed by customer. If you leave them open and file, they will be closed by creditor or worse, included in BK. This happened to me. I tried to save some accounts and not list them...they all got closed!
Close them if you are sure you will file. Once discharged, hopefully, some will be willing to reopen accounts but this is quite challenging. Most frontline CSR will say "No we can't, you must reapply", which is likely to result in autodenial for most prime lenders. Now perhaps you could recon those on the grounds that you have an excellent history with them, and they should consider your unique circumstances etc...
Curious to see how you play this out.
Starting Score: 501
Current Score: 706 EQ,TU 689,EX 686
Goal Score: 720