Category Archives: My Bankruptcy Journal

My journal entries as I travel down this road of personal bankruptcy. Starting with when I realized my debt load was insurmountable, to bankruptcy discharge and beyond.

Tracking My Credit Score After Bankruptcy

Have you been wondering what happens to your credit score after bankruptcy? Well, for some time before our bankruptcy, our scores (mine and my wife’s) were in the mid-600s. We both continued to get credit card offers until we were … Continue reading

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Chapter 7 Discharge is Granted!

Just received a letter, dated from last week, very brief. It just says: It appearing that the debtor is entitled to a discharge. IT IS ORDERED: The debtor is granted a discharge under section 727 of title 11, United States … Continue reading

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They Are Auctioning our Stuff! No, We are buying it back

We had quite a scare. A letter from the Trustee said he was having an auction and selling the non-exempt property that we offered to buy back for $1200. We thought WTF! “Did you let us make an offer to … Continue reading

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Another Credit Offer – Auto Loan

I already wrote that just a few days ago I already received a credit card offer. Well add another offer – for an auto loan. Yes, I am in bankruptcy, they know that, yet I could get a car loan … Continue reading

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I am Getting Credit Card Offers Already!

I am clearly flagged as “Bad Credit Risk” due to my filing of bankruptcy. The credit reporting agencies all show the bankruptcy. So today I got my first offer of a credit card!! So much for bankruptcy killing your credit … Continue reading

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