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    #1

    Just filed

    Ok - so I just filed a week ago today.

    I have one major concern , as I'm trying to keep this away from my parents (at least for now_)


    So, I had one item on my credit report that we had to list as a debt. It's a credit card in my mothers name, and she had a card generated for me as well (added me as an authorized user).

    I called and canceled my card the night before I filed for BK.

    When the creditor receives notice that I filed, what are they going to do? Send a letter to my mother's house letting her know that card on her account had filed for BK?

    I'm so worried!!
    Tags: None
    #2
    Have both you and your mother used the card? I am assuming that you both have. Do you both pay toward the bill, or is she the primary bill payer? If payments are made on time, I don't think there is anything to worry about. I don't know if anything will show up on the monthly statement about you closing out your card. It has been so long since I have had an actual credit card statement...

    Good luck to you.
    "To go bravely forward is to invite a miracle."

    "Worry is the darkroom where negatives are formed."

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      #3
      Parents do not stop loving their children just because they file for bankruptcy. No matter what happens, they will understand.

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        #4
        Parents are more understanding than you think, but only you know the relationship you have with your mother. I told my parents right away. Rip off that band-aid! It will do you a world of good. Weight off your shoulders.
        Filed August 20 341 on September 23 Report of No Distribution - September 24 Case Discharged and Closed on November 23!!!

        Comment

          #5
          Originally posted by kornellred View Post
          Parents do not stop loving their children just because they file for bankruptcy. No matter what happens, they will understand.
          I wish it were that easy. I know they won't stop loving me, but our relationship would be severely damaged. They warned me hundreds of times to stop gambling, and thought I had....but I kept it a lie because I was embarrassed, and it led me to BK.

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            #6
            Bawl your eyes out when you tell them, which I'm sure will come naturally, because I know you feel you've disappointed your parents. Don't carry this secret around for too long, though. Free your mind.
            Filed August 20 341 on September 23 Report of No Distribution - September 24 Case Discharged and Closed on November 23!!!

            Comment

              #7
              If you were merely an authorized user then the creditor probably does not have your SS#. So when they get the notice of the BK filing, it will likely not be noted on her account at all.
              ~Staci
              Not an attorney, and never played one on tv. My responses are based on my own experiences & personal opinions.)

              Comment

                #8
                Did you tell your mom you closed out your card?

                Just out of curiosity I logged onto my credit card accounts after I filed to see what they'd say. The Chase one no longer had an account listed and the AT&T Universal wouldn't allow me to log on. Worst case you could always tell her that they must have closed hers out by mistake. It's a credit card company, not the brightest individuals so totally believable. I can understand not wanting your family to know. I never did receive any letter or anything in the mail from any of my credit card accounts.

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