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Question about cards involved in Ch. 7

Super Contributor

Re: Question about cards involved in Ch. 7

@jslev9 wrote:






You can go the to Smorgasboard section on the site. The instructions to add a siggy is stickied on top. I forget what rank you have to be until you can add the siggy. Its listed there. Enjoy your cards.

My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 21 of 22

Re: Question about cards involved in Ch. 7



I actually had a Cap1 Buypower ($500), Fingerhut ($2,200), Wells Fargo Secured ($300) all with $0 balance when I filed. My lawyer insisted that they all had to be included on the petition. I had the accounts for years. They were all in perfect standing, never a late payment. I was very disappointed to see them go. His reasoning was that if I used any of them, it would be grounds for rejecting my petition. He followed up with telling me that not including them could also be considered attempting to hide something. I didn't need any additional scrutiny I was very close to the income cut off for Ch 7 in California. If they included my raise that I had just received or stock that was about to vest, I would have been over. Hopefully, it was all for the best and everything works out for you too.   

Ch 7 Discharge 10/15/2018

Started 10/18: Eq Fico 9 ???, Ex Fico 9 620, Tu Fico 8 511
Current 8/3: Eq Fico 9 736, Ex Fico 9 717, Tu Fico 9 704 Fico 8 655

Cap1 Plat PC to QS 1.5k, Discover it Chrome Secured $500, NFCU GoRewards 2k (was Secured nRewards $500), Share Loan 1k (paid down to 8% due 2/2020), VentureOne 1k, NFCU CLOC 1k, OllO Optimum $800
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