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Hello I filed a Bk 7 Discharged on 8-15-16, It also has terminated on 8-18-16 did something else happen..argghh I am not sure what the next move would be or what to do now. I filed Pro-per I put my vehicle, in which I owe 10,000.00 but have 3 estimated values narrowing it down to $ 4668.75 due to alot of miles. I placed my car on the following schedules with my bk. Schedule C (form 106C) The property you claim as exempt (state and federal non-bankruptcy exemptions) Schedule D (form 106D) Creditors who have claims secured by property (form 108) Statement of Intention for individuals filing under chapter 7 (I checked: retain the property and redeem it and retain the property and redeem crime victims reparation law) The loan company left me a message the day after the discharge, I am not sure what to do from here. Did I screw this up in order to keep the car? I don't have the money to pay all at once. Thank you
A secured credit card's minimum deposit is usually two or three hundred dollars. Is it better for your score if you buy yourself a limit of say $800.00 rather than getting the minimum of two or three hundred? Is having and responsibly using multiple secured cards better for your score?
So, I defaulted on a secured credit card (It's a CAP1 but was some other company back when I first got it) at the end of 2013. Stupid I know. I'm in the process of cleaning up my credit and this is my next one to tackle. I want to say the deposit was $300 as was the CL. The balance is now at $499 (because of fees, interest, etc.) Acct is charged off, but not in collections so it's the OC that's reporting to my CR. They have not sent me any letters for quite some time (probably since early 2014) I want to DV them to find out what happened to the deposit and perhaps make a settlement for the difference. I've had success when dealing with CA's but I know things work different when it's the OC so I'm not sure how to go about this without screwing things up. Should I dispute with CRA's or should I DV the OC? This is how it shows up on my CR TransUnion Experian Equifax Account #: xxxxxxxxxxxxx* xxxxxxxxxxxx**** xxxxxxxxxxx**** Condition: Derogatory Derogatory Derogatory Balance: $499 $499 $499 Type: Credit Card Credit Card Pay Status: Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Any insight would be greatly appreciated!