Good information; had this happened back in 2014 I may well have been caught up in this very situation. Easily 80% of my debt had been run up by either my wife's failed business or the run-up of debt in my name by my former business partner for a failed subsidiary business. As it turned out, my attorney...

Easy to use? I don't think I'd go that far; I think it took me a couple of attempts to work through the idiosyncrasies of the system. Once you get the hang of it, using it isn't much of a problem.

You should have heard from the Trustee by now, and probably your attorney as well. If all else fails, create a Pacer account and check the court records for your case.

Congratulations on the Discover card. Keep in mind, if you are thinking to buy a car or a home, the higher your FICO scores are, the lower the interest rates, and having only one credit card is not optimal from a scoring perspective. The consensus is you need a minimum of three (and some say five)...

Yeah, like I wrote above, my TDCash card graduated exactly six months to the day after my first charge; that said, I did put a reasonable amount of spend on the card in that period. Looking at my statements, it looks like I charged an average of $2,000 per month and paid the account in full before...

When I saw you had a new(ish) car (the 2019 Hyundai) I didn't respond further as your car should easily make 5-more years (and then some). When I filed my Chapter 13 I had a 14 year old car; it made it to the 17 year mark before dying; my current new(er) car is now 15 years old and going strong (probably...

sylviag1973, thanks for the update...

Here are two suggestions of next steps I learned from my Chapter 13:

1. Shop, shop, and shop again for a good attorney; I cannot stress this enough, a good attorney for a Chapter 13 filing is worth their weight in gold.
2. Your attorney will probably

...

Agreed, for a Chapter 13, especially for a Chapter 13, a good attorney is worth pretty much whatever they ask.

A few comments:

• Congratulations on the discharge!
• I totally agree, shopping for an attorney is well worth the effort.
• Having been through a Chapter 13 myself, why are you thinking you would have "lost everything" if you'd gone that route versus Chapter 7?

Another Chapter 13 alumnus here, I'm pretty sure justbroke will be checking in soon as well.

As flashoflight correctly pointed out, don't lose any sleep over your NFCU relationship, there are other lenders out there (I for one use PenFed).

​​​​​​​So, ask any questions...

Quite honestly, I'm not at all sure why that local geographic feature was named Mount Misery (probably so named back in the 1600s when this area was initially settled), but there it is. I was out working in one of the hay fields a few years back when two hikers came up the trail, I asked them what they...

LOL, here in semi-rural, semi-affluent New Hampshire, gunfire is nearly a daily thing; heck, we have two rifle ranges "out-back", one behind our upper hay field, and one across our largest hayfield at the base of Mount Misery. ...

Some of us may not have much of a choice. A few months ago my wife and I were "this close" to signing on the dotted line for a new home in a 55+ community currently being developed. Had we opted to go ahead with that purchase, we would have been effectively locked in and either had the option...

I wonder if you can send a blanket letter to the payday lender stating any and all calls with them will be recorded.

Thanks SeattleBK, fortunately I like what I do, I'm getting paid very well for it, and I get to travel something like 26 weeks per year, some of it international. The only wrinkle is it does get in the way of my jogging, especially when I'm on the road (last week I didn't travel and logged 47 miles,...

Congratulations!

When my wife and I had our financial melt down after the recession I went to work for a large financial institution (not banking or credit) in 2013; at the time we had separated, I had exactly $0.00 in retirement savings, I was 56 years old, and getting ready to file for...

No, I don't think one has anything to do with the other. It took me so long to get three credit cards because I screwed up right after my discharge. Screwed up how? I was in too much of a hurry to do my homework properly and ended up with a whopping seven hard pulls against my credit reports within...

Wow, my experience was exactly opposite of yours. Last year following my Chapter 13 discharge I applied for a BofA secured card (I'd been a banking customer of theirs for many years at that point); they denied me because "I was either about to file for bankruptcy, or in an active bankruptcy"....

All bankruptcies are a matter of public record; just a fact of life.

Barbisi, yeah, those debt consolidation offers I keep getting are crack me up, I mean seriously, I was discharged from my Chapter 13 only 15 months ago (Today!), how much debt do they think I've managed to run up in that time? Even still, just two days ago I got two pre-approvals for debt consolidation...