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female56
female56
Registered User
Last Activity: Today, 07:32 PM
Joined: 01-05-2017
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  • female56
    started a topic Continental Finance

    Continental Finance

    3 weeks after my 341 and all of my creditors and loans have zeroed out my balance except for Continintal Finance. This is Cerulean card maxed out at $750. They have closed the card but it still shows the balance. How likely are they to file an objection on a balance that low? This was the only card...
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  • female56
    replied to Student loan removal??
    I remember reading somewhere that this was normal, probably because your loan is being sent to another servicer due to bankruptcy.
    There will be a new student loan servicer after discharge.
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  • Pacer status not showing that 341 was completed

    Does it matter that my chapter 7 status on pacer shows that it is awaiting 341 hearing? I had my 341 meeting on 9/25.
    Then under Deadlines it doesnt show the 341 as satisfied. The satisfied space is empty. It does also show the objection deadline.
    I was looking for the trustee report, it...
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  • female56
    replied to 30 days post discharge.
    I don't have advice to offer. I tend to be a sleeping bear poker because I have no patience and I have a great need to be in control. But bear poking has occasionally gotten me into trouble and usually ended up being unnecessary anyway. On the other hand, some bears needed poking and it ended up being...
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  • Thank you! I have literally been searching the internet for weeks trying to figure out if anyone has been able to do that.
    Equifax is now reporting the car loan as closed with a zero balance, but I can still log in and pay as of now.
    I am still about 6 weeks away from discharge and I haven't...
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  • female56
    replied to Sprint wants their money
    I used to work for a Sprint contracted customer service center. Hopefully, what they have done is to bill the full amount for the phone and along with that they submitted a form to have it approved for a write off. It can take up to a couple of weeks for the write off to happen, or at least where I...
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  • Interesting to see credit score bounce around after filing

    It's interesting to watch my credit score go down and then back up since I filed a month ago. I just use Credit Karma and with credit monitoring turned on, it will update every time there is a change, like an account closing, as long as you click on the link in the email they send.
    My score was...
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  • female56
    replied to Waiting time after chapter 7 discharge
    Thank you for your reply. If I were to just refinance with my lender after my discharge in effort to get a lower rate, do I still need the consent from the court?
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  • Not reaffirming car loan, but want to keep paying.

    If I didnt reaffirm my car loan in chapter 7 but I am still able to access my auto account online after discharge, will it show the balance due there? Or does that have to be wiped out?
    I would guess that I would have to go by my current payment book to know when it was paid off, is that correct?...
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  • female56
    started a topic Waiting time after chapter 7 discharge

    Waiting time after chapter 7 discharge

    How long after my chapter 7 discharge and the case closes do I have to wait to see if my bank will reaffirm or refinance my car loan for a better interest rate, without having to get permission from the trustee or having to notify my attorney?
    Also I know I have to tell them if I receive an...
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  • Sorry i accidentally posted in the wrong topic but i dont see an option to move it.
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  • More questions about a current auto loan with chapter 7

    I am not reaffirming my auto loan and my 341 was a few days ago. My loan is through a local bank. I am still able to access my loan online and make payments. After my discharge, will it still show my balance due online, or does the bank have to remove that? My lawyer did not think it was worthwhile...
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  • female56
    replied to 341 questions
    341 was a breeze today. Funny, the lady at the courthouse entrance didn't know what a 341 was, I finally had to say "bankruptcy" to gain entrance.
    There were only about 5 cases present and everyone arrived early so the trustee started about 10 minutes early.
    He took each party...
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  • How does an unreaffirmed car loan look on credit report and other car loan questions.

    How does a credit report display an unreaffirmed car loan? Will it show discharged with no balance? If I continue to make payments on it will it show that I am making payments? What if I wanted to refinance it for a lower rate at some point down the road, is that possible? Can my lender make an offer...
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    Last edited by female56; 09-25-2018, 06:27 AM.

  • female56
    started a topic 341 questions

    341 questions

    My 341 meeting is scheduled for Tuesday. I may not have any hair left by then.
    when does the trustee actually review your documents? Before the meeting or not until you are right in front of him?
    If the trustee has any issues with my case, I will most likely know it that day right? Or how...
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