Okay, so haven't paid my primary since Sep '10, everything was discharged in Nov '11. Primary company (IMB/OWB) did file to lift stay from BK proceedings back in Aug '11. Received two applications for modification, obviously no response to them.

My wife mentioned to me that a gentleman...

Hi everyone, just an update on one year post bk. What a relief this past year has been. No annoying calls, no debt and enjoying life. I have a Visa with $5k limit and M/C with $3k limit, both of which have a zero balance at the beginning of each month. Credit score last month was 697. I hope all...