who has had a credit card bank fight a discharge and won? why?

[Babybear]

well I can accept the fact that the credit score will be ruined. I can accept having the bk on record. I can accept not having or using any more cards for a long time. I am only worried about the house and about any liens that would effect the equity. I did do some research and it should be exempt in both Ca. and new york depending on when we file. Since my mother lived in new york prior to 2 years. I am also worried about creditors disputing the bk and not getting rid of all the debt as well as any charges of fraud and what they can do to me or my mother in that regard. I dont understand the laws like many of you on here seem to. So I guess I am scared of the unknown.

[BrokeinMD]

Hi Babybear - The timeframe varies from bank to bank, and probably state to state, too. I quit paying my credit cards and LOC, all with the big boys, Citi, Chase, and Bank of America in May, 2010, and didn't have money to file until October 2010. Chase called incessantly after the 1st two months I missed payments, BOA sent me a couple of emails, but the only one who ever sent me to collection was Citi, and I received that notice one day after I filed, but they didn't bother me after that letter because at that point, the Automatic Stay was in effect. Do you care to ellaborate on what you're worried about, in particular?

[Babybear]

Thanks for telling me what an ap is and where to find it on the forum. This is all new to me. I will read through those threads and find similiar info to my situation. One other question I have is if I stop paying most of my cards now and try to wait it out for 6 months and someone sues me than will I have time to file the bk before they get a judgement or is there another tactic I should take to prevent a judgement or lien from occuring? is the lien against the person or their property or both? If its from an unsecured credit card debt. Will most creditors just send these debts to collection companies who harrass and scare people but dont file lawsuits? How do you know who or when a suit may occur?

[SunshineGal]

Hi Debbie,

Take a look through the AP section of this forum and you'll see some of the stories.

SG

[Babybear]

Please tell me why you did not get a discharge on a particular credit card or medical debt? I am less interested in mortgage debt or car loan debt but any stories of debts not discharged due to earnings, fraud, or any other reasons would help me understand this process better and what to be aware of.

again thank you for your help
Debbie