Long story short, I filed chap 13 (only 11 pymts left). I have been reading for a while and I though I was ready to begin rebuilding my credit. I was sent a pre approval for a credit card company that I included in my chap 13. I was approved and received the card. The card was activated but has not been used. I just checked Privacy Guard and the old account number is listed on two reports as open and paying as agreed. One lists a balance of zero and one has the full amount listed in the bk. The third report says the account is charged off. The charge off is the only one tracking in the payment portion of the report. The new card number is no where on any of the reports. I am not sure what to due. I am so close to being done, I do not want to ruin this. Did I just somehow agree to repay this debt? Please Help.
You probably did not reaffirm the debt, since that requires a Judge's consent. What you DID do, however, is jeopardize your CH13. I am the Controller for a Chapter 13 Trustee and our standing policy is simple - if a debtor takes on new debt, for any reason, without the Trustee's prior permission, we file a Motion to Dismiss immediately. Now.... what was your name, city, State and Case number????
