Questions about Credit One during Chap 13 and SSDI approval w/backpay

[missy42]

So I'm really nervous.  I applied for a Credit One cc and was approved for $500 CL not sure of how much AF will be as I do not have the card yet.  Initially my attorney's office said anything under $500 CL was ok but now they say I need trustee approval.  Should I just cancel the card when it arrive or should I call Credit One and cancel now?  I'm in a Chap 13 for another 4 yrs and was just hoping to try to rebuild.

I also was just approved for SSDI and was told that income could not be included in Chap 13.  The IRS is included in my Chap 13 for about $9K.  I will receive backpay from SSA so my question is will that money be automatically given to IRS?  Will I even see the backpay?  I do not believe I am on 100% payback.  My 13 included mort, mort arrears, car payment, IRS, trustee and attorney (the attorney is paid in full).

Also in 2018 was declared P&T from VA so no property taxes will be assessed on my primary home any longer beginning in 2019.  Hoping to have mort arrears PIF sometime next year will it be possible to come out of Chap 13?

I know lots of questions in one email.  Thanks in advance for responses.

[missy42]

I sent request form to Trustee's Office concerning the credit card waiting on response if it's yes I'll activate if not I'll cancel.  Any information concerning the other questions will be greatly appreciated.

[missy42]

Just a quick update; I received the card in the mail but decided to cancel it. I called today and cancelled the card. I've decided to just keep living on cash until my Chap 13 is complete. If the trustee comes back and say it's ok I'll just try for a secured credit card with my CU or BOA. I don't get any good vibes for CreditOne. While I'm sure it's worked for some, I'd just rather not go down that road. Chap 13 is hard but I never want to rely on credit again. I just think if you're paying back over a 60 month period it should not be so hard. Hope you all have a Happy NY! I'll keep coming to this forum as it's been great information and its always exciting to hear someone discharged! Feel free to close this post as I only got reviews and one private msg. Thanks

[Anonymous]

I dont blame you for cancelling it. I'm eagerly awaiting my discharge. Playing it safe.