Creditor has already discharged my debt

[tdooders]

WHITTIO Like HHM said it doesnt matter how much is on your card its when you incurred the debt. For us on the MBNA it was over 5 years ago and it was an unsecured loan not a credit card. We took the loan out for $40,000 at an interest rate of 16% (which is stupid) The payment was $910 a month. I paid that monthly payment for over 4 years then no longer could pay it with other things that happened. So they had received over $43,000 from me over the years and the $40K I still owed I guess was just interest. Im sure if I had taken the loan out a year or so before I filed then they wouldve had a problem with that. We discharged over $116,000 in debt. But all of it was old debt. Some of the cards were over 10 years old and the interest just wasnt going away. Its not like we decided last year to file so we racked up a ton of debt. It was a very difficult decision to make to file and I had wished we filed sooner because the longer we waited the more we got into debt. THe more we tried to get out of debt the more we got into it. Now its all behind us. We were discharged June 29 and case was closed August 9 2005. Good luck to you and your mom.

[InDebtInMD]

We would use the 'conveinence' check sent to us by MBNA to consolidate other bills. We never actually used that card toa point-of-sale purchase.

The last convenience check we used was probably sometime in 2003. Since then , we had been going thru savings, selling on eBay, etc to scrape together the cash to make the payments.

[InDebtInMD]

Well, I thought it sounded like a good dream. I just figured if both cards discharged their debt prior to the meeting, there wouldn't be a need for the meeting. Pipe dream. But then again, it's not ME that has to go to the meeting either..

My point was that when I saw that they had written off the debt prior to 341 I figured they were not going to object.