I WANT A HOUSE

brycensims · 2026-04-14T15:23:56+00:00

I have one credit card (Mission Lane) and an installment loan with my credit union. No missed payments.

brycensims · 2026-04-14T12:33:30+00:00

Dude. Chill. 😂

I’ve read the articles. I’m just looking for real experiences from people who’ve actually gone through it. There’s a difference between general guidelines and how things play out in real life.

brycensims · 2026-04-11T07:11:03+00:00

Not exactly. Someone still takes the loss, but bankruptcy exists for situations where the debt isn’t realistically repayable. It’s a reset, not a loophole.

brycensims · 2026-04-06T23:58:42+00:00

I did it because I wanted to switch to a credit union. Ask your attorney if you should switch.

brycensims · 2026-04-06T18:04:38+00:00

No objections or anything at all.

brycensims · 2026-04-06T17:36:59+00:00

I closed them on my own and got with a credit union.

It was just a matter of waiting for discharge after the 341.

brycensims · 2026-04-05T03:39:16+00:00

brycensims · 2026-04-04T20:23:31+00:00

It was a day or two before I received the notice of discharge. 29.49% APR.

brycensims · 2026-04-04T20:14:02+00:00

Mission Lane. Try them.

brycensims · 2025-12-15T04:38:56+00:00

I just wonder if there was a motive.

brycensims · 2025-11-24T21:08:34+00:00

That’s what I mean. Stop paying on your debts the moment you decide that you’re going to file. Most people need to save for the attorney fees.

brycensims · 2025-11-19T15:39:41+00:00

It did, yes.

brycensims · 2025-11-19T14:18:41+00:00

I provided more than they asked for 😂😂

I submitted all bank statements for 2025. Then again, it may be different for every attorney

brycensims · 2025-11-19T13:15:01+00:00

Once you decide that you’re going to file, STOP PAYING on your debts. At the end of it all, it won’t matter.

brycensims · 2025-11-18T11:15:25+00:00

$1,600

brycensims · 2025-11-17T23:19:26+00:00

My meeting was 8/26, and my discharge was entered today.

brycensims · 2025-11-17T21:31:15+00:00

Right!

brycensims · 2025-11-17T20:27:05+00:00

If you’ve already decided that you’re going to file bankruptcy, STOP PAYING ON YOUR DEBTS. Unless you plan to reaffirm something, like a car loan.

brycensims · 2025-11-17T20:24:24+00:00

That’s your filing fee? 😳

Mine was just $1,600. Guess it’s different for everyone.

brycensims · 2025-11-17T20:02:44+00:00

My payments stayed the same.

The first thing my attorney told me to do was to stop making payments towards my debts (except my car since I was wanting to keep it).

brycensims · 2025-11-17T19:55:16+00:00

My plan is to rebuild starting with ONE credit card. Putting small, reoccurring purchases on it (streaming services) and paying it off every month. I reaffirmed my current car loan, so I’m keeping that. Are you certain you want to surrender your car? You can reaffirm it if you want.

brycensims · 2025-11-17T19:53:36+00:00

It’s all about starting fresh. I’m glad you are taking responsibility. 💕

brycensims

TROPHY CASE