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Chrysalis
Chrysalis
Registered User
Last Activity: Yesterday, 10:26 PM
Joined: 09-27-2016
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  • Congratulations! And a Happy Thanksgiving to you, as well. So much to be thankful for....
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  • Chrysalis
    replied to Cards surviving bk
    Just a quick update to say that our Kohl's card remains open after discharge. I have used it two times online with no problem. We've had that account with them for 17+ years and never paid late. Of course they were not included in bk, either. Store cards were always paid in full when the bill came,...
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  • Chrysalis
    replied to Is there any reason I should wait?
    People have to wait for a variety of reasons. If they have had major purchases lately on credit, if their six month look back at income is not a realistic picture of their current financial situation, if they are saving up money to pay the attorney, if they have a tax refund or other cash that needs...
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  • It will bring you mental peace to try. If you don't, maybe you'll always wonder if you could have? So don't take our word for it. Come up with a plan and give it a shot. I would just encoutsge you to think carefully about how you'll feel if you give them a large chunk of cash and end up having to...
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  • Thanks, Des.

    OP -- to answer your questions as far as what your credit cards will do when they see that you are not paying lending club... that was in my thoughts last night as well when I posted, but the truth is none of us can tell you exactly what will happen. I can tell you in...
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  • Having no idea what your other circumstances are (income, reasons for the debt, etc) -- my initial thought is simply good luck getting them to settle. The only settlement offer we got before filing was from Discover's collection company, and it wasn't even anything we could consider. They wanted a...
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  • The most aggressive creditor seems to be Discover card. Everyone I talked to told me that we could miss payments for at least 3 to 4 months before they took any action. Many people here have missed payments longer than that.
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  • Chrysalis
    replied to Assets
    I know it's easier said than done, not to worry. BUT. You've already filed. You have an attorney. There was nothing at the time of filing that raised red flags for either of you, right?

    Try to keep in mind -- they just want to know if they can find any way to pay your creditors. They...
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  • Chrysalis
    replied to Discharge
    Hook, I hope you'll stick around, as well. Thanks so much for your post.

    It sounds like things may be going better than expected for you...? Man, checking PACER like that every day would drive me nuts! Haha. But I understand. You've still got a lot of anxiety about your case,...
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  • Chrysalis
    replied to Discharge
    Thank you both ~ I appreciate you being here! And yep, jb, for sure I'll stick around. I check in every day.
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  • Chrysalis
    started a topic Discharge

    Discharge

    Hey everybody, just thought I'd take a few minutes to post an update, for anyone who cares.

    I've been posting here for over a year now, and just got our discharge on 10/24/17. How did I know? Well, not because I've been checking PACER (have never been there) and not because I heard...
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