Buying a Mattress

[Rozi]

Hey Yall! I am nearing the end of my chapter 7 Bankruptcy. Thank God! Now I need to buy a new mattress. Is there a good place to go in Georgia that is bankruptcy friendly? I would like to buy it and pay it off in 90 days....

[mountanddo]

Are you discharged yet? It might be easier for you to save for 90 days and then buy one for cash. Not sure how soon you need a mattress but you might be hard pressed to find someone to extend credit to you so soon out of bankruptcy. 90 days isn't too bad to save for one. I looked at mattresses a while back. They sure are a spendy piece of necessary furniture!

[AngelinaCatHub]

Are you discharged yet? It might be easier for you to save for 90 days and then buy one for cash. Not sure how soon you need a mattress but you might be hard pressed to find someone to extend credit to you so soon out of bankruptcy. 90 days isn't too bad to save for one. I looked at mattresses a while back. They sure are a spendy piece of necessary furniture!

I totally agree. Put a piece of scrap paneling between the box spring and old mattress. It saved us from buying a new one for years as it became so much more comfortable than what we had. If you are seriously about a new start, as Mountanddo implied, start practicing right now. NO CREDIT. 'Hub

P.S. we have been discharged for some time and except for a loan from my brother for a good used car, we have not gone into any kind of debt.

[SPalin]

Have you thought of ShopNBC.com, they offer Value Pays (3-6 payments, that are interest free) you can use your debit card (as long as it is a V, or MC). I bought a Sealy several years ago and they offer a great value for the money, free shipping, set-up and hauling away of you old mattress set!

[mountanddo]

Have you thought of ShopNBC.com, they offer Value Pays (3-6 payments, that are interest free) you can use your debit card (as long as it is a V, or MC). I bought a Sealy several years ago and they offer a great value for the money, free shipping, set-up and hauling away of you old mattress set!

•Please note that orders submitted on ValuePay® are subject to credit approval and that ShopNBC reserves the right to make credit inquiries. Not all products or orders will qualify for ValuePay®. ShopNBC reserves the right to decline an order as stated in our Terms of Use.

Did you have any problems with this? I see they offer that you can pay with paypal which you can attach a debit card to. Would this be considered "use of credit" while you are in a Chapter 13 and would you need your trustee's approval?

[SPalin]

The first time I used Value Pay it was a soft credit inquiry, and that was pre-bk, I have ordered a few nice watches over the past year and no inquiry. I agree if they are in Chapter 13 that is a whole different animal (no credit unless the Trustee grants permission or discharged). I believe the OP stated a Chapter 7, and was waiting for discharge.

[Rozi]

Thanks for the advice yall!!

[Logan]

Thanks for the advice yall!!

Were you able to get a 90 day loan?