Filed Ch7 Nov 2018. Had two vehicles and a credit card with a credit union. We had decided to reaffirm under an agreement that they would not be cross collateralized and that payments would be reported to credit agencies. The CU didn’t accept reaffirmation (without our knowledge). We continue making...

Hi,

I have only recently been married and my husband has had a lot of credit card debt for years. Due to some changes, he is now unable to pay and decided to file for BK. As most was collected before we got married, we were informed that it is possible that only he files. At the same...

My husband and I recently tried to open an account at a credit union. We were shocked when they denied our membership based on a chexsystems report. The only thing against us was the bankruptcy which was discharged almost 3 years ago. They tried opening the account in my name and in his. He has a previous...

I just received my notice of right to cure default letter from my credit union for my car loan. I have retained my attorney, but have not filed yet. I haven't made any payments on my car loan since May. What is my next step in regards to this letter? My attorney has said the credit union might work...

Here's an article called "Cross Collateralization: Hidden Costs of Bankruptcy Revealed. Do I have to Reaffirm/Pay on what I thought was an Unsecured Credit Card ?"
I found it here:
http://www.floridabankruptcyattorney...of-bankruptcy-...

I'm interested in tips on how to prevent repo by a Credit Union.

The CU claims they can repo my car, even if I continue to pay my car loan, because the car
cross-collateralizes my delinquent Visa and LOC loans from the same CU. My $7k car loan is up to date, but I am delinquent...

Ok. ill be applying for a Car loan in march and my choice are Capone and My local credit union. Now i plan on putting down $8,000 and maybe financing about $15k to keep my monthly payment below $300. I have gotten offers from capone on pre-approvals for $30k but never did it bcause i want to have all...

During my Chapter 7 filing I signed a reaffirmation agreement with my credit union to retain my car. The court date to approve that reaffirmation agreement is in February however I just totaled the car in a car accident.

How does this all play out? I want to continue the reaffirmation...

I have completed the 341 meeting and have received reaffirmation agreements in the mail from the credit union. I also had an unsecured signature loan with the same credit union that is listed in the BK petition for discharge.

Questions:

1) If I reaffirm the amount of...

Im foaming at the mouth after leaving my local credit union (i recently became a member). First of all they denied me of a checking acct. and gave me a savings, they told me that my EQ report still showing bad open accts. So I asked the branch manager if they had any secured cards I can take part of...

Hello! I filed for BK in May 2010 and about 2 weeks ago it was recently discharged I gave my car back to GMAC a 2009 Chevy Malibu in Jan and haven't had a car since. I applied for a auto loan through my credit union yesterday and the lady called me today and told me that I was approved for a...