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    #1

    Capital One

    We were discharged and closed in early May.

    I got a Capital One, no annual fee, $3000.00 limit. I was really surprised by the limit.

    I am on my way to rebuilding!
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    #2
    Congratulations! Did you include any cap 1 in bk? We had several of all the bk friendly cards included in the bk so I am afraid that is going to hinder our rebuilding efforts. Not that I am in a rush to rebuild but we are'nt spring chickens and would like to own a house (again) someday!
    chap 7 discharge 06/07

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      #3
      That's great, Wrinkleigh! Use your new credit wisely - you're well on your way to rebuilding!
      I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

      06/01/06 - Filed Ch 13
      06/28/06 - 341 Meeting
      07/18/06 - Confirmation Hearing - not confirmed, 3 objections
      10/05/06 - Hearing to resolve 2 trustee objections
      01/24/07 - Judge dismisses mortgage company objection
      09/27/07 - Confirmed at last!
      06/10/11 - Trustee confirms all payments made
      08/10/11 - DISCHARGED !
      10/02/11 - CASE CLOSED
      Countdown: 60 months paid, 0 months to go

      Comment

        #4
        We didnt have any BK friendly ones included in our BK, only the big boys (AMEX, Chase, Discover, Bank of America, etc.), so we get to start over with our BK friendly options wide open.

        Comment

          #5
          congrats
          May 31st, 2007: Petition Filed by my lawyer
          July 2nd, 2007: 341 Meeting Held
          September 4th, 2007: Discharged and Closed.

          Comment

            #6
            Congrats, Wrinkleigh!!

            Be careful, tho. It's too easy to fall back into old habits.

            One thing I found works for me to not even be tempted is,............. I leave the CC's at home. The only time one comes out is for a planned purchase.
            Filed Ch 7 - 09/06
            Discharged - 12/2006
            Officially Declared No Asset - 03/2007
            Closed - 04/2007

            I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

            Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...

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