"I just wonder how realistic the creditors not perusing is."
Twohio, I know you seem to have made up your mind, but I'd be wary of thinking that some creditors may just not bother. I had a Chapter 13 that was discharged. A year later, when I went to purchase an automobile I was told there was a bank listed on my credit report that said I owed them $1,500. My bankruptcy was a business bankruptcy and this was a loan for my business that was included in bankruptcy.
I got a car from another dealer, but not without having to spend time "straightening" out on my credit report, that this was a loan that was included in my Chapter 13.
Twohio, I know you seem to have made up your mind, but I'd be wary of thinking that some creditors may just not bother. I had a Chapter 13 that was discharged. A year later, when I went to purchase an automobile I was told there was a bank listed on my credit report that said I owed them $1,500. My bankruptcy was a business bankruptcy and this was a loan for my business that was included in bankruptcy.
I got a car from another dealer, but not without having to spend time "straightening" out on my credit report, that this was a loan that was included in my Chapter 13.
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