Does anybody know first hand what if any CCs you were allowed to keep after BK7?(ie. the cc is paid off 60 days prior and you do not include it). I have heard Sears is esp tough. Has anyone been able to keep any after BK7? Not Dept Store or Gas, but regular CCs like MBNA, Citi, Discover, etc........ If anyone has had experience keeping them please respond. Thanks.
My husband reaffirmed his sears card, I now believe it was a ploy to get him to pay. They just dropped the credit limit from 750 to 450. They are scum. Personally, I now live on cash and debit card.
My husband kept his Capital One card through the bk7 by reaffirming it. They dropped what was owed to $500 and gave him a $600 limit with 0% interest for 3 months and 14.9% after that. Not too bad I don't think. I could have done the same with mine, but chose to let it go. We are about a month post discharge and have a newly aquired vehicle loan ($6300 @ 22.95%), the Cap One card, and our mortgage (not reaffirmed, shows $0 balance on CR).
