Originally Posted by Peaches

I filed Chapter 7 back in the mid 80's. I had an AMX card with my husband as a secondary holder. We got divorced and I was too stupid to cancel the card and he changed the billing address to his. I didn't know this for a few years until I started getting my wages garnished. They had "served" me at his address so of course I didn't show up in court and they won a default judgement.

It was WELL past what I could ever afford to pay off so I filed Chapter 7. Chapter 7's are on your record for 10 years and every app. you fill out asks if you have EVER filed BR. Even when I bought my last house - 15 years later - they asked me about it.

If there's any way possible to pay what you owe, do it. BR is to be used in an emergency only, IMHO