Carmella - like before you’re at the cashier trying to make a purchase😀

Good article for everyone to be familiar with. I put a note in the other thread where this was being discussed. American Express dropped my limit than put it back up. I was not surprised when it happened but was surprised when they put it back....

American Express dropped my limit in April but when I spoke to them...they put the limit back a week later. I have no intention of ever using the card again.

shipo - it's about time...HOORAY!!!!! When my case closed I received the letter from the Trustee you received, so you are DONE! Congratulations!
I know you are an NDC fan, but Pacer is the OFFICIAL CASE/COURT RECORD and will provide the correct closing date, etc. I'm sure it's just an issue...

Congratulations...your hard work paid off! Take a deep breath and enjoy your new freedom!

All’s well that ends well.

I think it’s a psychological thing. The higher the credit limit, the more the perception of success. It is strange...as it’s a risk of falling hard if something goes wrong and that high limit has been used

Hi @Barbsi - I too am sorry to hear about the bad things that are happening. I am happy to hear about your husband's job. Hopefully the gym will open up sometime in the near future. I hope your surgery won't be too far in the future...I've been there and know how hard your situation can be. Hoping...

skyoumans - Congratulations. You are on your way to financial freedom! You have the right attitude so just focus on getting to the end and you’ll be done before you know it. Take a deep breath ..the scariest part is behind you.

Congratulations on completing your plan. Enjoy your financial freedom! I’m...

Hopefully someone from your state responds. Some states do the discharge/closing at the same time, others separately. With the virus everything is taking longer than normal. Hopefully soon. Congratulations for making it to the end...

Helpful article - I’m sure we’re going to get lots of requests for information.

Hi...I agree with Justbroke about having savings first during this pandemic. Having said that I was also in a 100 percent plan and as time went on was able to make extra payments.There was no problem or concern. My plan was paid off in 4 instead of 5 years. Just look after yourself first 😄

Hi..I'm very sorry for your situation. Perhaps you could call around to speak to a bk lawyer for some advice?...

Have you tried asking to speak to the bankruptcy department? Seems strange they wouldn't want to work out a repayment plan with you,

shipo - that is great news! You just never know what and where demand is. I’m glad things worked out for her Hopefully things will work out for a lot of currently displaced people....

Hi @Barbsi - I’m glad you finally got it. Is Colorado one of the states starting to reopen? If so, is there a chance your husband may not be laid off? I’m hoping for the best for you. I understand and agree about keeping the money. Stay safe...I’ve been thinking about you and your husband,...

Carmella - I have to agree with shipo. Maybe pay what you have to..put the rest in savings and when things turn around you can take the savings and pay off the heloc. (Just put it away and don't think about it, unless there's a true emergency)....

Hi NoMoney30 - When we were in our 13, we too paid our mortgage outside the plan, and actually had an adjustable rate mortgage. The rate was so incredibly low it wasn't worth doing a refi. However, every year the trustee/attorney would get the notice of rate change from our lender and send a copy...

NoMoney30 - that's good news. Kind of nice, they're paying themselves Have a good weekend!