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Once your bankruptcy has been dismissed, you can apply for and receive new credit. It is not recommended but many people do get new credit cards after filing. Usually a company included in a bankruptcy will not extend credit to you again.

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โˆ™ 2014-08-26 23:03:01
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Q: Can you get a credit card if it was included in a chapter 7?
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What happens to the interest rate on your credit card if you've filed for Chapter 7 Bankruptcy?

If the credit card was included in the Chapter 7, nothing happens. The account will be closed by the creditor and the amount owed including any accrued interest is wiped out.


Can i get credit card after filing Chapter 7?

I filed Chapter 7 last year and when I applied for a credit card this year I was denied and the reason was "bancruptcy".


Can credit card debt be erased in Tennessee bankruptcy?

A Chapter 7 BK can eliminate credit card debt.


What debts could possibly be forgiven under Chapter 7 bankruptcy?

credit card debt


If would have a corporate credit card debt of $20,000.00 and was under stress, could I file chapter 7 and be forgiven of that debt?

It would depends entirely on your financial situation, there is not enough information to determine. If you were to file chapter 7, the that credit card would be forgiven.


Can a chapter 7 bankruptcy end a law suit on a credit card?

Yes. The legal action is terminated by the automatic stay. However, whether the credit card debt is discharged depends on how recently the card was used and for what.


If an account was included in a Ch 7 bankruptcy can the account's history of late payments still be listed on the credit report?

Yes, your payment history will still be a part of your credit report as well as the Chapter 7.


How long does it take after a bankruptcy is discharged to show on your credit report?

The amount of time a bankruptcy stays on your credit report after discharge differs between Chapter 7 and Chapter 13 Bankruptcy. With Chapter 7 bankruptcy, the Chapter 7 stays on your credit report for 10 years. Chapter 13 bankruptcy, after discharge, it shows for 7 years on your credit report.


Can the credit card company take you to court if you were only an authorized user on the card and the actual card owner since filed for chapter 7?

No. AU's are not legally responsible for the debt.


If your sister co-signed a credit card for you and you are both on the card and you paid the card off and she ran it back up to the limit and has filed chapter 7 are you responsible for her debt?

Yes.


Will they come after your most recent credit card purchases when your file for chapter 7?

No, they cannot come after the purchases. They can object to the discharge if you ran up your credit card balance before filing, and the purchases or cash advances were not for necessities.


How long do medical collections that has a status of Chapter 7 stay on credit report?

Included in bankruptcy accounts and collection items both stay on your report for seven years maximun per the fair credit reporting act. The answer is 7 years.


Is chapter 7 good for a judgments and old bills credit cards?

yes! because in Chapter 7 bankruptcy is considered a straight liquidation of unsecured debt. In simpler terms, this means that all unsecured debt is discharged. in short its a judgement for your term in credit card bills.


If you file for chapter 7 bankruptcy can you claim a credit card if it is powered of attorney in your name?

No...you only have the right to use it...(and I'm not absolutely certain of that). The credit obligation is still whoever it was issued to.


What is mailing address for JCPenney credit card for payments?

P.O box 960090 orlando florida 32896


Can I use credit cards right before filing for chapter 7?

Yes but the Judge will likely require you to pay those cards. He may believe that you are intentionally defrauding the credit card company.


When does chapter 13 come off credit?

Bankruptcies (both Chapter 7 and Chapter 13) remain on your credit report for 10 years.


How do you remove a civil judgment that has been released by the courts from your credit report especially when the original debt was included in a chapter 7 bankruptcy?

You need to get the release from the courts and send it to the credit reporting agency to ask for it to be removed.


If you have good credit history with some credit cards will they still show that on your credit report and that you paid on time after filing chapter 7?

It depend on the individual credit card companies if they report on your credit history or not, like some department store credit cards may not show on a credit report


How long does a dismissed chapter 13 bankruptcy stay on your credit file?

A Chapter 13, whether it is dismissed or successfully receives discharge, is on your credit report for 7 years. A chapter 7 is on your credit report for 10 years. i called equifax and a discharged chapter 13 stays on for 7 years and a dismissed chapter 13 stays on for 10 years


Before discharge of a chapter 7 in a bankruptcy can you applied to a new credit card?

You can apply for anything you want. You must disclose your status by answering the credit application fully. The choice to grant you credit is the one issuing it, and theirs alone.


Can you file bankruptcy on your house after chapter 7 discharge?

Your mortgage should have been included in your chapter 7 discharge. If it was- then you are no longer liable for the mortgage, but the lender can still foreclose on the property. If the mortgage was not included- then why wasnt it included.


How do credit entries appear on your credit report after a chapter 7 is discharged and do they disappear from the report or show as 0 balance and indicate their inclusion in a bankruptcy?

The still stay on your credit report the normal length of time for negative credit entries (7 years). After the discharge, they might still show a balance but should also make not of being included in the bankruptcy.


How is your credit affected by a chapter 13 bankruptcy verses a chapter 7 bankruptcy?

Both have the same negative impact on your credit.


Does a chapter 7 bankruptcy affect your credit the same as a chapter 13?

Yes.