@MyDataMyChoice wrote:
IMHO secured cards cannot be included in BK...
Yes they are listed...
but they are secured... the moment you file BK and they receive notice...your account is closed to further charging and interest should stop accruing... and the security deposit should be offset to the current balance...
You should have been sent the difference...
This would require the BK judges approval. Once someone files BK they have no right to offset anything without approval and if there was no proceeding to do such then OP is entitled to a complete refund.
not with SECURED Creditors... its not really an offset... its acting on their security interest
