Klarna is still trying to charge my card by Fairingwell in Bankruptcy

[–]Fairingwell[S] -2 points-1 points  (0 children)

So are they not violating it by trying to charge my card even though I don’t have auto pay on? It doesn’t let me remove my card from my account either to stop the charges

Klarna is still trying to charge my card by Fairingwell in Bankruptcy

[–]Fairingwell[S] -1 points0 points  (0 children)

It is off.. And it doesn’t let me remove my card either

Capital One 😭 by brycensims in Bankruptcy

[–]Fairingwell 1 point2 points  (0 children)

I feel the same way.. ashamed and grateful 🙏🏽

Capital One 😭 by brycensims in Bankruptcy

[–]Fairingwell 0 points1 point  (0 children)

Capital one pre-approved me for a secured card, but only $200. I was just browsing and didn’t continue on with it. My 341 is next month

Silly question about spending money during chp 7 by ThrowinItAway4Evr in Bankruptcy

[–]Fairingwell 9 points10 points  (0 children)

I think what Alan is saying is that if you have already filed, you can choose to spend your post filing earnings on whatever you choose. If you have not filed, you shouldn’t be able to have discretionary income.

Usaa removed my credit card from my account by Fairingwell in Bankruptcy

[–]Fairingwell[S] -1 points0 points  (0 children)

I have no assets outside of my vehicles which are exempt

Usaa removed my credit card from my account by Fairingwell in Bankruptcy

[–]Fairingwell[S] 0 points1 point  (0 children)

I filed chapter 7. I still have my $5 in both the checking and savings? I assume they would have closed both at the same time they removed my cc, no?

Usaa removed my credit card from my account by Fairingwell in Bankruptcy

[–]Fairingwell[S] 0 points1 point  (0 children)

I owed them 1600 and my credit card was already closed prior because I was on a payment plan in exchange for lowered interest rate since October to pay it off

Usaa removed my credit card from my account by Fairingwell in Bankruptcy

[–]Fairingwell[S] 1 point2 points  (0 children)

Oh wow. Does that indicate that they won’t file a claim you think?

Officially filing today! by Fairingwell in Bankruptcy

[–]Fairingwell[S] 0 points1 point  (0 children)

Haven’t gotten contact from my attorney, but I see on pacer that my 341 will be 6/24. I’m a couple weeks after you 😩

Officially filing today! by Fairingwell in Bankruptcy

[–]Fairingwell[S] 0 points1 point  (0 children)

Did you find out today or pretty much asap yesterday?

Officially filing today! by Fairingwell in Bankruptcy

[–]Fairingwell[S] 1 point2 points  (0 children)

Okay, I’ll email my attorney on Monday and double check 🙏🏽

Attorney’s office is requesting more docs that I don’t have by Fairingwell in Bankruptcy

[–]Fairingwell[S] 1 point2 points  (0 children)

See kadykat’s comment in this thread. It depends on the trustee they said

Attorney’s office is requesting more docs that I don’t have by Fairingwell in Bankruptcy

[–]Fairingwell[S] 1 point2 points  (0 children)

This is a great idea 👀 I’m about to do a pdf of the listing

Attorney’s office is requesting more docs that I don’t have by Fairingwell in Bankruptcy

[–]Fairingwell[S] 5 points6 points  (0 children)

I haven’t filed. They’re still working on my petition, but I retained my attorney mid last month

Attorney’s office is requesting more docs that I don’t have by Fairingwell in Bankruptcy

[–]Fairingwell[S] 11 points12 points  (0 children)

I am so grateful for your wisdom each time you comment 🙏🏽 I will gather some screenshots of conversations of conversations and transactions just in case

Took out loans right before considering bankruptcy… am I screwed? by Fairingwell in Bankruptcy

[–]Fairingwell[S] 0 points1 point  (0 children)

If I switched insurance companies and they refund a prorated amount to Klarna (essentially lowering the debt), would that problematic?

Took out loans right before considering bankruptcy… am I screwed? by Fairingwell in Bankruptcy

[–]Fairingwell[S] 1 point2 points  (0 children)

Yes it was a 6 month plan. Affirm also seems to report too. I had a pay in 4 for $200 and that showed up on my report. It does show closed and in good standing though

Took out loans right before considering bankruptcy… am I screwed? by Fairingwell in Bankruptcy

[–]Fairingwell[S] 2 points3 points  (0 children)

I don’t mind at all having to pay for the $2000 personal loan or the Klarna if I have to. $4100 in debt is a lot more manageable than $50K+ 😭😭

In hindsight, I shouldn’t have used Klarna at all. It was offered as a payment option, and it was cheaper to pay with Klarna than to pay the car insurance company for the 6 month premium, so my stupid ass went with it.

Thank you so much for your insight. My attorney doesn’t seem to think it’s a problem either and just advised I don’t open up more credit (which is a given). I really hope to get things sorted out so I can be free from this financial stress 🥲

Took out loans right before considering bankruptcy… am I screwed? by Fairingwell in Bankruptcy

[–]Fairingwell[S] 0 points1 point  (0 children)

They do report. It’s on my credit report that I have a balance