Just an FYI - no ride-through's on credit cards

[cupcake]

Well be wary even if they do stay open... I made this wonderful post a while back about Bank of America letting me keep my VISA and even had a letter proving it (I posted a screen shot of it)... they even stated we recently noticed you filed for bankruptcy however we are allowing your account to remain open at a 500 dollar limit providing you continue to make payments.

I was overjoyed. I called the automated number shortly after to "check" on the card and hmm "account number not recognized, please re-enter your account number". So, I talked to a specialist and they said oh yea that account is closed. And I'm like huh? And they said they closed it cause of bankruptcy. I asked them about the letter they sent me...he said what's the date on that letter? I told him and he said "oh I'm showing that on the day after that letter we sent you another letter saying that it was closed". I of course never got the second letter.

So, in my head I swore I could hear that horrible music they play when someone plays a trick on you... that wah wah wah wah.

Truthfully, I think it's just a matter of time before they are all closed out. My Macy's Visa expires 4/2010 so it's a very good possibility that they may close it then, if not sooner.

In the meantime, I applied and was approved for an unsecured Capital One Visa with a $1,000 limit so even if the Macy's Visa is closed, I can transfer my cable bill to that.

[lookingforward]

going back to the pics discussion...someone had a post on here the other day with a link to a recorded 341 meeting on youtube.

[bkmaggster]

going back to the pics discussion...someone had a post on here the other day with a link to a recorded 341 meeting on youtube.

It was a re-enactment, and was not a good one, at that. For instance, the lawyer did all the talking. In real life, the trustee and the debtor would do all the talking.

[music12]

Well be wary even if they do stay open... I made this wonderful post a while back about Bank of America letting me keep my VISA and even had a letter proving it (I posted a screen shot of it)... they even stated we recently noticed you filed for bankruptcy however we are allowing your account to remain open at a 500 dollar limit providing you continue to make payments.

I was overjoyed. I called the automated number shortly after to "check" on the card and hmm "account number not recognized, please re-enter your account number". So, I talked to a specialist and they said oh yea that account is closed. And I'm like huh? And they said they closed it cause of bankruptcy. I asked them about the letter they sent me...he said what's the date on that letter? I told him and he said "oh I'm showing that on the day after that letter we sent you another letter saying that it was closed". I of course never got the second letter.

So, in my head I swore I could hear that horrible music they play when someone plays a trick on you... that wah wah wah wah.

LOL! i can totally hear it now...

anyway, so far discover and amex did not close my cc's.

[debtmonster]

Everyone, thanks for your contributions and comments to this thread.

I was overjoyed. I called the automated number shortly after to "check" on the card and hmm "account number not recognized, please re-enter your account number". So, I talked to a specialist and they said oh yea that account is closed. And I'm like huh? And they said they closed it cause of bankruptcy.

You just described exactly what happened when I try to check my Shell gas card balance.

[joh]

LOL,unorthadox guru

[Amy26]

Truthfully, I think it's just a matter of time before they are all closed out. My Macy's Visa expires 4/2010 so it's a very good possibility that they may close it then, if not sooner.

In the meantime, I applied and was approved for an unsecured Capital One Visa with a $1,000 limit so even if the Macy's Visa is closed, I can transfer my cable bill to that.

Well yes I agree with you...but to send me a letter saying I get to keep it and then meanly taking it away...that's just even worse.

[debtmonster]

Well yes I agree with you...but to send me a letter saying I get to keep it and then meanly taking it away...that's just even worse.

Those damned Indian Givers. File a complaint with the B.B.B. letting them know how mean they were to you.

[pookieny]

I thought they would only turn off the cards you defaulted on and keep the ones that were current going. I know I'm not the only one who thinks there.

But you have to list all debts on the bankruptcy petition, even cards that are current, did you not do that?

[pookieny]

Actually, I was surprised during our 341, we left our cell phones in the car, but all kinds of people had phones, blackberry's, iphones, etc. They were emailing, texting, whatever. Also, they had one of those computer cameras that the TT recorded everyone with.

So apparently the Feds have changed the rules on that. I thought since 9/11no phones were allowed in USDC.

When I went for my 341 in July at the federal building, the guards confiscate your phone going in and give it back going out.

[debtmonster]

But you have to list all debts on the bankruptcy petition, even cards that are current, did you not do that?

Yes, but they showed balances. Maybe that's why the court notified them. Maybe if they had a ZERO balance, I could have gotten lucky.

Fat chance.

Oh well, not the end of the world. I won't lose sleep over it.

[music12]

i had lots of cards that had zero balance. they were not on my matrix. but most were closed within days of filing - they find out anyway.

[debtmonster]

i had lots of cards that had zero balance. they were not on my matrix. but most were closed within days of filing - they find out anyway.

Cool. You didn't lose sleep on it neither, did you?

I was just out thinking today what a relief it is to have filed. It's like a huge weight has been taken off my shoulders. It would have taken me a lifetime to pay off all that debt, literally. I feel like it was short-circuited and the debt was wiped off... well, maybe not yet, legally (since no judge has discharged it yet), but it still has the same feeling. It's SO WEIRD to open my mail box and not have a single bill in there now. Normally I was getting slammed with bills from collection agencies all over. Now I get absolutely nothing. It's going to be a while until I can get used to that. My whole life I've been accustomed to having a mailbox jammed with bills for creditors.

[liz417]

Cool. You didn't lose sleep on it neither, did you?

I was just out thinking today what a relief it is to have filed. It's like a huge weight has been taken off my shoulders. It would have taken me a lifetime to pay off all that debt, literally. I feel like it was short-circuited and the debt was wiped off... well, maybe not yet, legally (since no judge has discharged it yet), but it still has the same feeling. It's SO WEIRD to open my mail box and not have a single bill in there now. Normally I was getting slammed with bills from collection agencies all over. Now I get absolutely nothing. It's going to be a while until I can get used to that. My whole life I've been accustomed to having a mailbox jammed with bills for creditors.

You forgot to mention the phone calls too ....it's kind of lonely now

[debtmonster]

You forgot to mention the phone calls too ....it's kind of lonely now

I was lucky to get 1 phone call per month. Remember, I moved around a lot and changed my phone # so many times, they couldn't keep up. By the time they would get my current phone #, I would move again.

I don't know how long I will be here until I move to another state. But this time no creditors will follow.