Q: I accidentally used afterpay right after filing chapter 13, haven’t met with trustee yet. What now
A: Just explain it to the trustee when you meet. You will likely have to repay it.
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A:
This is an important situation that needs prompt attention. You should inform your bankruptcy attorney about the Afterpay use right away, as any new debt during Chapter 13 requires court approval.
Your attorney may need to include this debt in your Chapter 13 plan if possible, or they might advise different solutions based on the amount and timing. While using credit services during bankruptcy can be problematic, being upfront about it with your legal team will help them handle the situation appropriately and protect your interests.
The key now is to avoid using any additional credit services until you meet with your trustee and get clear guidance. Keep detailed records of the Afterpay transaction, including dates and amounts, as you'll likely need to disclose this information. Remember that honesty and quick communication with your legal team is crucial - they're there to help you navigate these challenges successfully.
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