Just filed

[ineedhelp201]

Ok - so I just filed a week ago today.

I have one major concern , as I'm trying to keep this away from my parents (at least for now_)


So, I had one item on my credit report that we had to list as a debt. It's a credit card in my mothers name, and she had a card generated for me as well (added me as an authorized user).

I called and canceled my card the night before I filed for BK.

When the creditor receives notice that I filed, what are they going to do? Send a letter to my mother's house letting her know that card on her account had filed for BK?

I'm so worried!!

[AngelinaCat]

Have both you and your mother used the card? I am assuming that you both have. Do you both pay toward the bill, or is she the primary bill payer? If payments are made on time, I don't think there is anything to worry about. I don't know if anything will show up on the monthly statement about you closing out your card. It has been so long since I have had an actual credit card statement...

Good luck to you.

[kornellred]

Parents do not stop loving their children just because they file for bankruptcy. No matter what happens, they will understand.

[drowning123]

Parents are more understanding than you think, but only you know the relationship you have with your mother. I told my parents right away. Rip off that band-aid! It will do you a world of good. Weight off your shoulders.

[ineedhelp201]

Parents do not stop loving their children just because they file for bankruptcy. No matter what happens, they will understand.

I wish it were that easy. I know they won't stop loving me, but our relationship would be severely damaged. They warned me hundreds of times to stop gambling, and thought I had....but I kept it a lie because I was embarrassed, and it led me to BK.

[drowning123]

Bawl your eyes out when you tell them, which I'm sure will come naturally, because I know you feel you've disappointed your parents. Don't carry this secret around for too long, though. Free your mind.

[SMinGA2]

If you were merely an authorized user then the creditor probably does not have your SS#. So when they get the notice of the BK filing, it will likely not be noted on her account at all.

[ksgirl38]

Did you tell your mom you closed out your card?

Just out of curiosity I logged onto my credit card accounts after I filed to see what they'd say. The Chase one no longer had an account listed and the AT&T Universal wouldn't allow me to log on. Worst case you could always tell her that they must have closed hers out by mistake. It's a credit card company, not the brightest individuals so totally believable. I can understand not wanting your family to know. I never did receive any letter or anything in the mail from any of my credit card accounts.