Thanks sophieanne!

Yeah, I've been preparing myself for some nasty stuff after the second shot. I got sick in late January 2020 while on a business trip to Greensboro a week after visiting my elderly mother in Hackensack Hospital; needless to say, given the timing, while I knew I was sick, I had no clue it was "The...

I had that mindset when I entered my Chapter 13 at the age of 58, and then my job got "off-shored" to India. I was fortunate in that my company didn't call my name during that round of layoffs, and got shifted to another team; then that job got off-shored as well. I was pretty sure my number...

Thanks sophieanne, yeah, feeling reasonably well, just kind of tired; I get my second on 10-May.

Hmmm, to my layman's eye, that doesn't look terribly promising. Please keep us posted.

Geez I cannot wait until we get this COVID debacle in the rearview mirror; it seems to be weighing heavier on my mind than even the 7-year mark when my Chapter 13 falls off my credit reports next February.

Yeah, my tale of automotive woe during my Chapter 13 started was my 2001 Honda Accord literally rotting away before my eyes; imagine coming out to your car and seeing it leaking coolant, transmission fluid, brake fluid, power steering fluid, and gasoline (from two locations) all at the same time. The...

LOL, over the years I've pretty much had them all; maybe it was how much focus and money Chrysler put into their minivans, but our 4 ChryCo minivans, 2 Dodge, 2 Chrysler, amassed over 800,000 combined miles and the sum and total of maintenance was less than either my my Honda Accord or my Acura TL....

LOL, sorry, totally didn't catch that.

Could be, I was trying to remember what the PenFed agent, I "thought" she said, "Secured Share Loan", but you're probably correct in that it is actually a, "Share Secured Loan".

In my case, since I really like my old car and have no plans on replacing it with...

Carmella and sophieanne, a Secure Share Loan (aka. SSL) is a loan which is essentially the Personal Loan version of a Secured Credit Card.

The avenue to the best FICO scores are achieved by what I call the "FICO game"; a game which is played by assembling the correct array of...

...for a year.

Here I am some 13+ months post Chapter 13 discharge, I have three well respected credit cards with a total credit limit of $14,000, with utilization of less than 2%, and as of today I initiated an Secured Share Load with PenFed. The plan for the next year is to sit...

My point was, getting the card without the letter is difficult, if not impossible....

In many cases, the lender will see from your credit report you are in an active Chapter 13 and will ask for a letter of approval from the Trustee. As you've noted, it pretty much depends upon the rules of your jurisdiction and how your plan is structured.

In my case I tried to slip a secured...

I have two questions:

1. You say they had a chance to object to your bankruptcy filing, but you don't say if they filed a claim; did they?
2. Have you checked the ndc.org site to confirm they were paid by your Trustee?

The actual discharge. Once entered, you're good to go.

The good news is CapOne is arguably the most forgiving financial institution out there when it comes to a bankruptcy; the consensus is, wait six to eight weeks after your discharge and then apply, odds on bet they'll approve you....

LOL, then there are those of us who did some community college and then bailed on the entire process. What little I spent on college back in the 1970s was paid for from my job as a janitor in a grocery store making a whopping $3.9125 per hour (don't ask me why I remember that hourly rate so precisely,...

In addition to what justbroke wrote, if you live in the eastern third of the United States, TDBank has a good secured card with a 6-month graduation. If you can live with a maximum of a $1,000 limit, CapitalOne has a secured card which is really easy to get but has a fuzzy path to graduation.
...

Welcome wmjsca!

¿Qué pasta?