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  • M42
    started a topic How to deal w/Wells Fargo after deciding to file Ch7?

    How to deal w/Wells Fargo after deciding to file Ch7?

    Hi yet again,

    Since the last charges on my WF credit card were on 01/29/19, I decided to wait and file Ch7 on April 30 so that there'll be a full 90 days between the time I last used the card and the time I file. Not worth the risk to file sooner, IMO, even though my charges were for either...
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    Last edited by M42; 03-22-2019, 08:10 AM. Reason: added tags

  • Swolfe12
    started a topic Anexity getting the best of me?

    Anexity getting the best of me?

    Im meeting with my lawyer to sign my petition Friday and I'm sure when I get to go over everything with her and talk thinga through I'll feel better but I have extreme anxiety and have kept myself up at night reading as much as I can online about everything ..i debated for days posting here but I figure...
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  • mrsSM
    started a topic Filed Chapter 7 Married

    Filed Chapter 7 Married

    My husband and I filed together, we've been discharged for awhile now. His credit score seems to keep getting higher and mine is still the same. Also we applied for credit cards to build credit and he get approved for more then I do? Does anyone know why that is? I'm starting to get frustrated. Does...
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  • skof2017
    started a topic can disputes hurt your bankruptcy Chapter 7

    can disputes hurt your bankruptcy Chapter 7

    can disputes hurt your bankruptcy...

    Hi I have over 35 purchase dispute and its over the 3 years period of time. does it consider as fraud and can i be charge as fraud from the creditors ( the credit card people example american express, a Barclay, City).
    I stuck with this i have...
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    Last edited by skof2017; 06-18-2017, 09:39 PM. Reason: i read it and didn't make senescence but now it does

  • Several questions about the way my Chapter 7 is unfolding

    First off, thanks to everyone who posts such good wisdom on this message board, it's the most useful I've found so far. I am going to be filing a Chapter 7 bankruptcy here in California on August 1st. My attorney is somewhat difficult to get hold of, and his answers are often too cryptic for me to...
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  • ducky78
    started a topic credit cards during chapter 13

    credit cards during chapter 13

    I am three years into a five year chapter 13 in NYC. Late last year I was offered a Credit One unsecured credit card. I took it with an initial limit of $300; a month or so later it was raised to $700. I was never told by my lawyer or trustee that I cannot take a credit card; in fact, when I asked...
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  • Married, single bankruptcy, balance transfers, OH MY!

    Good afternoon! I've been lurking this forum for a while, and was hoping someone could share their insight on my scenario.

    My husband and I have been struggling with credit card debt for a while. It recently came to a head when a water line in our front yard was leaking (2500$), our car...
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  • Cheryl84
    started a topic Balance Transfer Issues

    Balance Transfer Issues

    I am including 4 credit cards in my Chapter 7 to the tune of $17,000. 3 are from Chase, 1 Discover.

    I used a balance transfer offer to send $2,500 to 1 Chase from Discover 6 months back. There was an offer for 18 months no interest and transfer fee free. That card, which has only the balance...
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  • tess_bk
    started a topic Consolidation Snowball - CC or Loan?

    Consolidation Snowball - CC or Loan?

    I'm talking about the good kind of snowball, where you "snowball" your debts until you pay them off. (Google it! It's really cool.) I already did it once quite successfully a couple of years back, then got a bit sloppy with using CC's and ended up with a few thousand in credit card debt again....
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  • BankruptinNJ
    started a topic I Don't Want Any Credit Cards!

    I Don't Want Any Credit Cards!

    I was starting to get "pre-selected" credit card offers and I made a decision: I don't want them! I know that I am a shopaholic and I will only get into trouble.

    I thought that I wanted a secured card to rebuild my credit and did apply online for the Public Bank secured one...
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  • What, me worry? Young adults get self-esteem boost from debt

    June 6, 2011

    Instead of feeling stressed by the money they owe, many young adults actually feel empowered by their credit card and education debts, according to a new nationwide study.

    Researchers found that the more credit card and college loan debt held by young adults...
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  • Bad credit sends more students packing than poor grades

    June 4, 2011

    According to a survey of student loan applicants by loan provider Nellie Mae, 83 percent of college undergrads use credit cards and the average card debt was $2,327 in 2001. Furthermore, the college students surveyed steadily increased usage rates and balances. From freshman...
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  • Shoppers cool down their credit cards

    June 2, 2011

    If gas prices don’t slide, expect more online shopping

    What you make of May same-store sales depends on what you want to see.

    Retailers, pointing to a 4.9% gain from year-ago sales, see it as evidence that their business continues to improve....
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  • Watch out for unregulated credit cards

    May 22, 2011

    The sudden interest-rate hikes, high fees and steep penalties that last year’s credit card regulations were designed to eliminate are still lurking in one segment of the credit card market: cards designated for businesses.

    As a result, consumers who don’t...
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  • 5 Credit Card Myths You’d Regret Buying Into

    May 10, 2011

    An apple a day keeps the doctor away; swallowed chewing gum remains in your stomach for seven years; lightning doesn’t strike in the same place twice; cracking your knuckles leads to arthritis. Whether you call them myths, old wives’ tales or urban legends, there is...
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