Sadly I opted out 2 years ago and still get some cause folks are stupid 
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May 31st, 2007: Petition Filed by my lawyer
July 2nd, 2007: 341 Meeting Held
September 4th, 2007: Discharged and Closed. -
The answer to why you are getting CC offers is simple.
You cannot file again for many years so you are good as far as they are concerned.
And yes the interest rates will be higher now that you have filed.Comment
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Well the thing I wonder about is.... the "regular" people who have not filed for bankruptcy are having their rates jacked up to 30% for no reason whatsoever. If the "normal" people are getting 30% interest rates...what the hell would the bankruptcy folks get???
I also heard last night that CitiBank is probably filing for bankruptcy now.BK Ch 7 Discharged 09/2009 | Anything I say can and should be used as friendly advice and sharing of experiences with an unbiased viewpoint.
Scores: EQ 745 EX 704 TU 710 as of 08/15/2012Comment
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It would not hurt my feelings one bit to never use a cc again.Ch 7 Filed: 4/27/09
341 Meeting: 6/11/09Comment
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