You sure love to play the "Oh poor me, I'm a victim of the big banks (and/or whatever large entity you choose to blame for a day)", sorry, not buying....

I'm thinking the final steps are a bit different:

1. Make final payment
2. Trustee acknowledges final payment and it clears
3. Trustee files confirms all payments have been made
4. Debtor submits a form indicating they don't owe any child support or other domestic obligations
5. Trustee submits necessary

...

I still see it as well.

Pretty much lay the case out exactly as you have to us, your attorney should easily be able to take it from there.

Some secured credit cards do have an annual fee, in fact, after closing my secured CapOne card, which was no annual fee, I opted to open a secured TDCash card from TDBank, which does have a $29 annual fee (with a pro-rated refund when the card graduates). By the time the card graduated and got $14.50...

Congratulations Barbisi and Zombie13! You are correct, at the time I got my CapOne secured credit card, the max limit you could secure was $1,000; simply not workable for me. I closed it after 7 weeks and opened my secured TDCash card with a $5,000 limit (which has both graduated to unsecured, but...

Done!

How do you want it to read?

As far as I know there is no scoring metric for "Age of Open Accounts". When I was rebuilding I opened a CapOne secured card which I closed less than 7 weeks later as it didn't meet my needs; that was nearly two years ago and it is still counting to my account age averages....

Welcome to the site!

Yup, 78s sucks, period, full stop, the end. Any financial institution using it should be taken to task, privately, publicly, and legally for such practices. That said, last time I checked (and it has been years since that happened), using the Rule of 78s was still legal for many financial transac...

It could also be Westlake is using the "Rule of 78s" method of payment accounting:

• https://en.wikipedia.org/wiki/Rule_of_78s