I filed a chapter 13 in 2005. It is currently being discharged (Feb for final I believe). I applied last June and was denied but was offered the fully secured. When I contacted B of A they told me that any bk goes to fully secured first, not the 99/500. The csr told me that that offer is reserved for those with "ok" credit etc. But I got my fully secured in June. Have PIF every month and am hoping for unsecured and big increase in March or so.
I also have a chapter 7 in 01 and 2 dismissed bk's in 04 (divorce)
yes, with good behavior