Just Filed for Chapter 7 (Questions)

[Shooting-For-800]

1% chance.

[Anonymous]

Hi just filed and synchrony bank c/o pra is listed as a party on my case too and now I’m worried. How did things turn out?

[twono]

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@Anonymous wrote:

Sadly yes, My paypal mastercard went into collections recently. Thanks everyone for your help, I will update once my MOC is over and let this forum know how it went. I also noticed my bankruptcy is reporting to all 3 credit bureaus, so far 2 account have closed.

My scores are:

Equifax : 520

Transunion : 547

Experian : 495

One question for anyone that can help, I have 3 charge accounts that were not included in the bankruptcy because I didnt owe them anything, What is the chances of them remaining open after discharge so maybe that will help my rebuilding process? They are Kohl's, Macy's, and Bloomingdales. 

Thanks everyone! :-)

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My Kohls survived my CH.7 thus far.....DC was last month.

Many on the forum advise to close all accounts that have a $0 balance.  I left my Kohls open and it was not closed, even though I burned CapOne for over $30k.

[twono]

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@Anonymous wrote:
Hi just filed and synchrony bank c/o pra is listed as a party on my case too and now I’m worried. How did things turn out?

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Synchrony was listed as a 'filer' on my BK case also.  I was not in collections.  They did not show up at the 341 meeting....actually none of the 30+ creditors that were IIB showed up.

I was DC'ed last month....no mention of synchrony by the trustee/court/or my attny and didn't affect the DC as far as i can tell.

[Anonymous]

Interesting. Oddly, they’re not listed as a filer, just a party so I’m not sure what to do.

[twono]

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@Anonymous wrote:
Interesting. Oddly, they’re not listed as a filer, just a party so I’m not sure what to do.

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SYNCH was listed as a 'party' and a 'filer' on my PACER page.

I think you're worrying for no reason.   Relax and just ask your attny about it.  

[Anonymous]

Okay I will try to relax.

[Anonymous]

PRA as another pointed out is Portfolio Recovery. I had two request for notice filed in my case (shown on my docket) by PRA for Synchrony and someone else for State Farm. They were also then listed as a party to my case, I assume since they filed something.

They're just requesting that anything related to your case go to them since they are the collections agency assigned.

I had my 341 just today, no creditors including the two parties listed, showed. I even had a pending lawsuit from an attorney just a few blocks from the Federal Court House where I was, no show.

341 meeting is easy, even though I had read tons on here about it and how it was no big deal, I was pretty worried going in. But man, it really was no big deal, I only paid for 1 hour in the parking garage. In and out.

[Anonymous]

Thank you for this feedback! I feel much better waiting for my 341 now. I thought the creditor was trying to object the case lol