I was doing my taxes on Tubo tax online last night and at the end it asked me if I wanted to see my credit score, i did. Then afterwards it gave me “approval odds” on some credit cards and clicked on one just to see information on it and then clicked back and closed out of the page. A few minutes later I got an email that I had been approved for a credit line of $1000.00. I am really worried because I know under the chapter 13 plan we can’t have any new open credit. I don’t know what’s going to happen with my case now and I don’t know what to do. Call the company and cancel the credit card? Leave it as it is and contact the trustee? I contacted my lawyer last night but got no answer and tried today and the secretary told me to call Monday. In the mean time I’m scared this is going to mess things up. Please, any advice would be helpful!
Since you are represented by counsel, you must direct all your questions to your attorney.
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Yes, you should ultimately rely on the advice of your current counsel. While I do not know what precise orders accompanied your confirmation order, in Kansas and Missouri you are generally barred from "incurring" debt, which means borrowing money. It does not sound like you borrowed any money. So, I think you are not in big trouble. You should close the card while not borrowing any money.
While I agree with Mr. Turner on most of his e-mail (contact your attorney and you haven't incurred debt by opening an account), I don't think, merely for the pre-discharge credit rebuild it offers, you should just call back and close the account.
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