I feel for ya. Life threw some hard balls at ya. I dont know how the CU's work with BK's. I'll just say you'll feel a whole lot better after its done and its off your back. Get through the first step of BK and wait after DC a couple months until you make choices on what cards to get. I repeat it a lot. Your score may go up after everything is reported as IIB. Even small bumps upwards can be a help for approval after wards. Check your reports afterwards and make sure everyone followed the BK laws. Then the rebuild can begin. Report back and there ton of people like us that can help lead you in the right direction when the time comes to start applying. Let the first door close then open the new fresh start door. Good Luck!
Everybody goes thru the same emotions. Its filed and the process begins. Once the 341 is over and then here comes the DC. Then a new fresh start will begin. The debts are now officialy gone. You no longer owe anybody anything. Pressure relief from all the calls and letters stop. Freedom in a way. Your legally debt free now. No more how am I going to pay this or who should I pay first stuff. The 341 is easy. Takes longer to get a Egg McMuffin at Mickey D's than the meeting. Then the rebuild begins. Below is for rebuilders. If I could do it. Anyone can. And I'm only 3.4 yrs out. As the song went. Dont worry, be happy!
If there were any problems. The trustee would have addressed them there. Told you to make corrections And have you come back. But he/she said nothing and off you went. Cross your fingers. Seems like its toast now.
Awesome! DC is right around the corner in 90 days or so. Then let the rebuild begin after you wait at least 60 days to make sure all accounts say 0 balance and IIB on your reports. Then its rebuild time. Stop by and ask many question once its all done before appying. We can save you some HP's and lead you in the right direction. W/O this forum I wouldn't have gone 9-0 Never declined. Have a glass of vino and relax. Its over now!