I have bb stuff too
top Ad Widget
Collapse
Announcement
Collapse
No announcement yet.
Who has actually had CC challenge them in BK?
Collapse
X
-
I specifically asked my lawyer about my tv I bought from BB, She said she always gets a letter similiar to yours, asking if her clients want to reafirm or return the stuff. She said she has never responded to them and they have "never" done anything further. So call their bluff. worse case scenerio they object(which is highly unlikely).
Comment
-
Taht is the plan
Originally posted by Brighterdays View PostI specifically asked my lawyer about my tv I bought from BB, She said she always gets a letter similiar to yours, asking if her clients want to reafirm or return the stuff. She said she has never responded to them and they have "never" done anything further. So call their bluff. worse case scenerio they object(which is highly unlikely).
Have not used the card in almost a year! No abuse! No fraud!
It is not working. If they follow the correct process I will give them what I have left that was not gifts if ordered by the judge.Retained Attorney= 03/13/2009
Filed No Asset Chapter 7= 03/31/2009
341 Done= 04/27/2009
Discharged= 07/16/2009
Comment
-
If it's a VISA, then it doesn't have that pesky "you grant us a purchase money security interest" (PMSI) clause that department store cards have! That's why VISA, Mastercard, American Express, Discover, Diner's Club, Carte Blanche, JCB, etc... can't ask for the stuff back.
The reason why department store cards are so generous in issuing them... is that pesky "PMSI".
BTW, I can't believe I missed this thread. It's fantastic! I saved off the Judges order in the Citibank case. Classic! Sounded like eCast Settlement for a minute.Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
Status: (Auto) Discharged and Closed! 5/10
Visit My BKForum Blog: justbroke's Blog
Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.
Comment
-
That order is hilarious! I've been there in a deposition with my subpoenaed bank records with an.. ahem... adult purchase circled along with others from a liquor store (it was the most convenient place to get milk on the way home) highlighted. It was a real estate case and had nothing to do with any of it except to freak me out that they could find intimate information on me. I was flushed with embarrassment at the time but now wish I could go back to that day and say "Yup. Sounds like a fun Friday night at my place doesn't it? Wanna join me some time?"12/05/08 - filed pro se
01/27/09 - case dismissed and closed - 02/24/09 - case reopened and dismissal vacated
04/01/09 - new 341 scheduled
6/02/09 - DISCHARGED!!!
Comment
-
Blankslate, so u actually had a CC company object? Wow, if so that is the first I have seen. sorry about your luck. was there any extenuating(sp) circumstances as to why they objected?
Mamaof2:, Unless your charge was extremely high your chances are slim to none. Objections are extremely rare. It just isn't worth it to the CC company to pursue as the lawyers work on commision.
Comment
-
We have some fairly recent CC charges but the lawyer didn't say it would be a problem...we'll see.
We were doing like mamaof2, paying the cc bills but having to use credit to take care of necessities. We have only missed 1 pay period (bi-weekly pay) of cc bills, so hopefully that shows good faith.Ch 7 Filed: 4/27/09
341 Meeting: 6/11/09
Comment
-
I am sure every district has its own way of doing things, but when I heard 1 guy on here charged up 6k 1 month before filing, and he discharged without a hiccup, i figure objections are few and far between.
Here is my take on this subject:
If you charge something, the worst that will happen is the CC company will object to that single charge and not all the charges. You may be required to pay it back, but no jail time or anything else. You can fight it , negotiate it lower, or agree to pay it.
I did a balance transfer of 3k from my discover to pay down some of my student loan. As I said earlier, the worst case is, I have to pay it. Most likely if I file ch7 it is gone and never to be seen again. Of course it will be 4-6 months before i file, if I file. Even if you do it within the 90 days, chances are you will not have to pay for it. The trustee doesn't look at that stuff, that is the cc companies job.
Now I am not condoning fraud. I am just telling you what the worst that is going to happen. If you can live with the worst case scenerio, then everything else is just a bonus.
Comment
-
Originally posted by StartingOver08 View PostActually the worst is if the Trustee DISMISSES your case - but I too think that is fairly rare.
I guess I should have prefaced that if you aren't trying to blatently screw the system, you can get away with a small charge hear and there. Best word of advice, greed kills. Don't screw up a good thing for a few bucks. Just get it over with and move on.
Comment
bottom Ad Widget
Collapse
Comment