June 2, 2003 marks the 60 day period following my 341 meeting. should I wait for the discharge papers before using a credit card. In brief - Had to file because economy tanked and I lost my pt business, pt co-adjunct position, and was involved in a reduction of force - bumped in a layoff proceding. I saw the writing on the wall 2 years ago and had stop charging then. I transferred balances consoldiate accounts when my business failed 2 years ago and never closed out the cards in hopes that I the cards would survive the bk. as of a few days ago, here are the cards that were still active target, home depot, discover, and 3 visa's - total credit still available is about 27K. I also had a bunch that pulled my credit report and closed the accounts. These were all cards that I had not activated or used in a year or two. I have no intention on charging up debt ever again. its great to be debt free. I would like to start making 20-30 charges and keep a 10 balance due to start the long road to credit score recovery.
