I filed for Bankruptcy in July, I have questions???

[Jajamom23]

Hi everyone, 

I finally went through with filling for bankruptcy. I am over the moon. I had my MOC on August 12th and I did not hire an attorney. I was so nervous but not 1 creditor showed up. I burned my Applecard, 3 Cap1s, 2 Credit 1s, Synchrony, Avantcard, OneMain loan and credit card. I also had some comenity and a Macys card with $0 balances. Vs remains open but dropped my credit down to $100 after filling, Macys just closed. 

Is it likely to reapply and continue with Macys maturity? I've had it over 20 years

 Also, my student loans were wiped. Should I expect that the balances will come back after discharge? 

[pizzadude]

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@Jajamom23 wrote:

Hi everyone, 

I finally went through with filling for bankruptcy. I am over the moon. I had my MOC on August 12th and I did not hire an attorney. I was so nervous but not 1 creditor showed up. I burned my Applecard, 3 Cap1s, 2 Credit 1s, Synchrony, Avantcard, OneMain loan and credit card. I also had some comenity and a Macys card with $0 balances. Vs remains open but dropped my credit down to $100 after filling, Macys just closed. 

Is it likely to reapply and continue with Macys maturity? I've had it over 20 years

 Also, my student loans were wiped. Should I expect that the balances will come back after discharge? 

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Your student loans were private loans, is that correct ? 

[isaemm76]

Yes, your student loans balances will come back after discharge. Mine did a few days after my discharge. Unless they are private loans which I have no experience with.