After months of agony and all that being unemployed and in major debt after years of debt accumulation, we finally filed last week.
We were sitting on over $100k of unsecured CC debt, upside down on our primary residence by about $100k (because we took out a HELOC to help consolidate our debt... duh, it didn't help), and the housing market went south. So, our net worth is > -$200k or so.
Anyways, we had several credit cards with most of the major banks. We did find one major bank we had no association with and opened a new checking with them.
I was wondering if once you've filed BK with a creditor/bank, would you ever be able to do business with them again or do they ban you forever?
We were sitting on over $100k of unsecured CC debt, upside down on our primary residence by about $100k (because we took out a HELOC to help consolidate our debt... duh, it didn't help), and the housing market went south. So, our net worth is > -$200k or so.
Anyways, we had several credit cards with most of the major banks. We did find one major bank we had no association with and opened a new checking with them.
I was wondering if once you've filed BK with a creditor/bank, would you ever be able to do business with them again or do they ban you forever?
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