"Citibank keeps that information on their *internal* records indefinetely (directly from their mouths)! They had my old account numbers and the amounts owed - so they allowed me to set up a payment plan to pay back the money,they said after the balance is paid, that they would issue me a card! Chuck- Chet was told by Citibank that in exchange of his payment of $4500 on a debt discharged by bankruptcy, Citibank would extend him credit. Citibank's offer to extend credit constitutes consideration. Chet accepted Citibank's offer, and began to tender the bargained for consideration. This agreement does not involve the sale of goods, no does it specifically last more than one year, so a writing is not required (pursuant to the Statute of Frauds), and this is an enforceable contractual agreement. If Chet had a tape of the conversation, a court would consider the agreement enforceable. The issue of whether a bankruptcy court's approval of the repayment agreement pursuant to 11 U.S.C. Â§ 524 is necessary centers on whether Chet's repayment is, in fact, voluntary. the question has been posed as follows by one appellate court: (the question is)whether any inducement by a creditor renders repayment of a discharged debt involuntary and thus in violation of Â§ 524(a) the case law is clear that such an inducement does render the payment involuntary: Watkins v. Guardian Loan Co. of Massapequa, Inc. (In re Watkins), Chapter 7, Case No. 894-86473-478, Adversary Proceeding No. 898-8640-478, UNITED STATES BANKRUPTCY COURT FOR THE EASTERN DISTRICT OF NEW YORK, 240 B.R. 668 Chuck- you can look up the case and share your thoughts. The issue turns on what the courts deem "voluntary" pursuant to the statute.