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I hope I'm posting this in the correct forum, but my question is:

I filed a Chapter 13 bk last year. I included my Orchard Bank credit card that I had at the time in my bk. In the meantime, Orchard sent me a new credit card with a $300 limit. I know I shouldn't have accepted and activated it, but I did. My question is, if I sign up with their online bill payment to make my payments, what are the odds that they might drain my bank account for the old card that I had and included it in my bk? Do you think I would be safe to make payments through their website, or should I just do money grams and money orders?

The are legally prohibitted from collecting on the old debt. If they do contact your BK attorney and he can file a suit against them. Sear's got sued big time a few years back for doing that exact thing.

Also Orchard is a dangerous card. So be real carefull.

Sub: #1 posted on Wed, 08/06/2008 - 16:17


i agree, orchard is a very dangerous card. full of hidden fees, costs, etc. i am having problems with them now.

Sub: #2 posted on Tue, 08/12/2008 - 10:34

bea2ls bea2ls
(Posts: 3840 | Credits: )

Dangerous is right. I never even GOT my card because, according to their customer service, THEY RAN OUT OF PLASTIC.

I ran screaming from that company. You're better off not dealing with them. If you want to rebuild your credit, you're better off working with a secured card from one of the bigger banks, or a small card to a department store. Orchard will find ways to "fee" you to death. And if they decide you are doing a good job of paying on time, they will give you a sneaky credit limit increase! which of course, entails another fee....

Sub: #3 posted on Wed, 08/13/2008 - 22:51

Amaranth Amaranth

(Posts: 271 | Credits: )

I have a card with them I'm trying to get rid of, way to many fees. I might have to place them with my debt management program just so they will stop the fees and quit hiking up my interest.

Sub: #4 posted on Thu, 08/14/2008 - 06:22

PinkLady PinkLady
(Posts: 1722 | Credits: )

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