1. Out of curiosity, why didn't you list the 2 credit cards? Did your attorney know?
2. I've seen cards surviving BK sporadically on the forums, but it's not the norm.
Good Question @JAG73 . My attorney (Paralegal) made me get my annual reports to make sure i didnt miss anyone. She was OCD on each point.
Per my attny, we listed all credit card accts on my BK petition, even the ones with $0 balances, including a $35,000 LOWES credit limit.
Listing ALL accts seems to be standard operating procedure when filing.
I am 32 days post CH. 7 DC, and my KOHLS card is the only 1 that survived.
Oddly enough, I burned CapOne for over $32k, and was surprised that KOHLS remained open since it is backed by CapOne.
Let's hope it stays open, but don't count on it....just for the sake of not being disappointed if it/they do get closed.
My KOHLS is open for now....but i am fully aware that i could get up one morning with an alert from 1 of my 10 credit monitoring services, saying " CLOSED BY GRANTOR".
I believe that my open KOHLS is helping me with some of my scores post DC. My EQ is 615, 32 days post DC.....For some reason(s) though, EX is 585 and TU is 580.