@momof3boys081418 wrote:
Hello
I filed chapter 7 back in May of 2019 and received a discharge.
I may need to file again when can I.
May of 2026 or May 2027 I am consufed as everything I ready says the timer starts from the date you filed so is the day year you filed included?
Thanks!
I saw your last post.
Have you reached out to the credit cards to ask for a hardship program? Ask them all. Tell them you're having trouble and may not be able to pay them if they don't work with you to come up with a solution. They very often give you something although they'll suspend the credit cards, you don't need to be using them anyway.
Don't take the time off, use it to pay them down.
Credit cards are not a source of free money that the banks give you to be nice. They're trying to get you in the situation you're in now. They aren't your friend. But they may ease up if they feel like their repayments are threatened.
https://www.nerdwallet.com/article/credit-cards/what-is-a-credit-card-hardship-program
Credit cards are a classic example of "bad debt". People put nonproductive depreciating assets on them and then pay interest.
So are car loans.
