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BK7 Guide: Filing to Discharge; What to expect.

kerinmiami
Regular Contributor

Re: BK7 Guide: Filing to Discharge; What to expect.

Thanks, I have just retained my attorney on Monday, but I have the consult on last week for BK. I have sent him all of the required documents on Monday too. 

Message 11 of 18
WackyJaci13
Member

Re: BK7 Guide: Filing to Discharge; What to expect.

Thank you for this guide...I filed Ch.7 on 8/16/19, had my MOC on 9/5/19 and now I'm just chilling until the first week of November. I was hoping I wasn't missing anything, and this definitely make me feel better about the waiting game.



Message 12 of 18
joeljmnz
Member

Re: BK7 Guide: Filing to Discharge; What to expect.

What a post! THANKS for posting! This information is invaluable, and being a new member to the forums, let me just say the abbreviation explanations are worthy of a sticky themselves! What an incredible contribution to a very *big* decision and process. But while it's big, with the right information it doesn't have to be scary. Thanks for posting @pizza1!

PRE CH7 BK: 10k+ CL w/WF, ~784 FICO Scores
BK Filed 06/27/2019, DC 10/07/19
EX 567 EQ 509 TU 506 (10/21/2019) - CC hasn't posted
Discover It Secured (10/08/2019) $200
Message 13 of 18
pizza1
Community Leader
Super Contributor

Re: BK7 Guide: Filing to Discharge; What to expect.

Thank you everyone for looking and reading! There's so much good info here on the forums, and from folks who have been there done that as well. Smiley Happy


My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013...I'm in the home stretch now!
Message 14 of 18
Justme79
Frequent Contributor

Re: BK7 Guide: Filing to Discharge; What to expect.

THANK YOU! @pizza1

Chapter 13
Date filed: 3/17/20
Meeting of the creditors (341): 5/20/20
Confirmation hearing: 6/11/2020
Deadline for filing claims: 6/17/20
Plan confirmed: 7/2/2020
Deadline for filing claims (Government): 9/14/20

Scores as of 05/08/21 (MyFICO Monthly Subscription/updates on the 8th of every month)
Equifax 666
Transunion 634
Experian 637

Open Accounts
Great Lakes (Student Loan) Pd Never Late - Perfect History/will not update until PIF $3,750 balance at $140 per month
Target (Survived Bankruptcy) Pd Never Late - Perfect History $2,300 limit/$0.00 Balance
Cartier (Survived Bankruptcy) Pd Never Late - Perfect History $8,000 limit/$0.00 Balance
NFCU Amex (AU) $25K limit/$10K balance (removing soon)
NFCU Secured Card (Trustee Approved) Card Graduated to NFCU Cash Rewards (Unsecured) $2K limit/will PIF each month before statement cuts
TD Bank Secured Card $500 limit/will PIF each month before statement cuts

All closed accounts are reporting correctly with $0.00 balance

Message 15 of 18
youngins
Member

Re: BK7 Guide: Filing to Discharge; What to expect.

Curious, for those cards which "survived" bankruptcy, did you specifically re-affirm those?

Message 16 of 18
Justme79
Frequent Contributor

Re: BK7 Guide: Filing to Discharge; What to expect.

@youngins - Good afternoon,

 

No.  They just stayed open, not sure how, but they did.  They are both under TD Bank and I've always had perfect payment history with them... Not sure how they "slipped through the cracks" but I'm truly blessed and thankful that they did.  I use my Target card weekly and I PIF monthly before the statement cuts.  Hope this helps.

Chapter 13
Date filed: 3/17/20
Meeting of the creditors (341): 5/20/20
Confirmation hearing: 6/11/2020
Deadline for filing claims: 6/17/20
Plan confirmed: 7/2/2020
Deadline for filing claims (Government): 9/14/20

Scores as of 05/08/21 (MyFICO Monthly Subscription/updates on the 8th of every month)
Equifax 666
Transunion 634
Experian 637

Open Accounts
Great Lakes (Student Loan) Pd Never Late - Perfect History/will not update until PIF $3,750 balance at $140 per month
Target (Survived Bankruptcy) Pd Never Late - Perfect History $2,300 limit/$0.00 Balance
Cartier (Survived Bankruptcy) Pd Never Late - Perfect History $8,000 limit/$0.00 Balance
NFCU Amex (AU) $25K limit/$10K balance (removing soon)
NFCU Secured Card (Trustee Approved) Card Graduated to NFCU Cash Rewards (Unsecured) $2K limit/will PIF each month before statement cuts
TD Bank Secured Card $500 limit/will PIF each month before statement cuts

All closed accounts are reporting correctly with $0.00 balance

Message 17 of 18
youngins
Member

Re: BK7 Guide: Filing to Discharge; What to expect.

Thanks for the reply - you did get lucky!

Message 18 of 18
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