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Officially Chapter 7 Discharge Day

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bigred1967
New Contributor

Officially Chapter 7 Discharge Day

Discharge day has arrived so time to begin the journey of the fresh start!!

Message 1 of 9
8 REPLIES 8
ballysdad
Regular Contributor

Re: Officially Chapter 7 Discharge Day

nice..mine is closed today as well good luck to you

Message 2 of 9
blindambition
Senior Contributor

Re: Officially Chapter 7 Discharge Day

Congrats!, and good luck on rebuild!! 🍾 

Message 3 of 9
Mjhall85
Frequent Contributor

Re: Officially Chapter 7 Discharge Day

Discharge day is quite a relief! Congrats on discharge and good luck on the rebuild!

Chapter 7 filed 2/3
Discharged 6/30

Fico 8
EQ 681 TU 671 Ex 665
Fico 4 TU 690 Fico 5 702 Fico 2 693
Message 4 of 9
angelofmusic86
Frequent Contributor

Re: Officially Chapter 7 Discharge Day

Congrats! 

 

I'm stuck waiting a few more weeks since my reaffirmation for the car wasn't filed by the creditor.  (Smiley Mad I guess I shouldn't have expected the process to go as smoothly as it did).

CH7 Filed 05.01.2020; Discharged 10.21.2020

10.22.2020 FICO8 Scores: EQ 615 TU 560 EX 581
06.28.2023 FICO8 Scores: EQ 663 TU 663 EX 661

Rebuild progress: CapitalOne Kohl's Visa $3,000; CapitalOne Quicksilver$0AF $9,600; CreditOne Rewards $700; CapitalOne Venture$0AF $6,000; PenFed PCR $9,600; Kemba Signature Visa $5,000; CreditOne$0AF AMEX $1,500; Target RedCard $500; Wells Fargo Autograph $1,500; Comenity Ultamate Rewards MC $4,900; CapitalOne Savor One $500; Amazon Store Card $5,000; Synchrony TJ Maxx Mastercard $5,000; Well's Fargo Reflect Visa $3,500; Citi AAdvantage MC $5,000
Gardening until absolutely necessary.
Message 5 of 9
bigred1967
New Contributor

Re: Officially Chapter 7 Discharge Day

I actually revoked my reaffirmation of my vehicle at the last second. Can definitely get a better deal than I had.

Message 6 of 9
angelofmusic86
Frequent Contributor

Re: Officially Chapter 7 Discharge Day

I've thought about ditching the car, and probably should have, but it is what it is at this point.  It's a low rate and half paid off, just is super annoying that this is what caused my discharge to be pushed back.  At this point (as of the 4th) the extension was already submitted to the courts, so I just have to be mildy patient.  If the creditor (Ford) still doesn't get their act together, then I guess I'll just say forget it. lol

CH7 Filed 05.01.2020; Discharged 10.21.2020

10.22.2020 FICO8 Scores: EQ 615 TU 560 EX 581
06.28.2023 FICO8 Scores: EQ 663 TU 663 EX 661

Rebuild progress: CapitalOne Kohl's Visa $3,000; CapitalOne Quicksilver$0AF $9,600; CreditOne Rewards $700; CapitalOne Venture$0AF $6,000; PenFed PCR $9,600; Kemba Signature Visa $5,000; CreditOne$0AF AMEX $1,500; Target RedCard $500; Wells Fargo Autograph $1,500; Comenity Ultamate Rewards MC $4,900; CapitalOne Savor One $500; Amazon Store Card $5,000; Synchrony TJ Maxx Mastercard $5,000; Well's Fargo Reflect Visa $3,500; Citi AAdvantage MC $5,000
Gardening until absolutely necessary.
Message 7 of 9
bigred1967
New Contributor

Re: Officially Chapter 7 Discharge Day

It was the easier route for me and dealing with Chrysler was a headache 

Message 8 of 9
angelofmusic86
Frequent Contributor

Re: Officially Chapter 7 Discharge Day

Seems like the manufacturer credit companies make it a point to induce headaches when dealing with them.   Luckily this is the last Ford I was ever going to have anyway (ex's dad retired from Ford, the dad passed, and well, my ex is my ex lol), but definitely going to go with my own financing whenever it is time to get a new car in the future. lol

CH7 Filed 05.01.2020; Discharged 10.21.2020

10.22.2020 FICO8 Scores: EQ 615 TU 560 EX 581
06.28.2023 FICO8 Scores: EQ 663 TU 663 EX 661

Rebuild progress: CapitalOne Kohl's Visa $3,000; CapitalOne Quicksilver$0AF $9,600; CreditOne Rewards $700; CapitalOne Venture$0AF $6,000; PenFed PCR $9,600; Kemba Signature Visa $5,000; CreditOne$0AF AMEX $1,500; Target RedCard $500; Wells Fargo Autograph $1,500; Comenity Ultamate Rewards MC $4,900; CapitalOne Savor One $500; Amazon Store Card $5,000; Synchrony TJ Maxx Mastercard $5,000; Well's Fargo Reflect Visa $3,500; Citi AAdvantage MC $5,000
Gardening until absolutely necessary.
Message 9 of 9
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