@granny031350 wrote:OK, I would open up another account at another credit union asap. Credit unions are nasty nasty in BK. Then I would get your self situated. Your priorities are paying your mortgage, your vehicles, and your utilities, insurance, and food etc. Let everything else go. No more cc payments, no more Explorer payments. But do all of this AFTER you open up a new account at another credit union. Then wait it out. Get caller ID and don't answer the phone unless forced. The credit union will call incessantly as will your cc's. Better yet, unplug your phone. If you have cells, use those for private use. LOL Then file in 6 months.