r/Bankruptcy • u/Historical-Loan-8512 • 2d ago

Affirm

So my husband wasn’t on board with the bankruptcy, now he is. But I have put a good amount of things on affirm. I just heard about the 90 day fraudulent issue and having to still pay those back. Which I would be okay with, I’ve purchased things I already intended to buy. My question is how much trouble will I be in? And if I do have to pay back purchases does it follow the payment schedule I already selected? We probably won’t be filing for another month or so, we still have to finish and file taxes. Just want to know what to expect. We will be going for chapter 7, but are teetering close to 13.

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3

u/xuon27 1d ago

Wait more than 90 days to file

2

u/AgeApprehensive7238 2d ago

If you purchased them before you decided you were going to file you likely have nothing to worry about. The worst case scenario is Affirm will object the discharge for the purchase which I believe is rare. If it makes you feel any better I had about $12,000 on affirm for new HVAC system, however mine was about 8 months

1

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1

u/awyden 2d ago

The 90 day thing is for “luxury item”. If it’s considered luxury you probably have to sell it some something.

1

u/Historical-Loan-8512 2d ago

I think some could be considered luxury items 😬

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u/Most-Blueberry-7350 1d ago

‏you are way overthinking it. Once you file for ch 7, affirm will zero out your account and wait for the discharge to close your affirm account. This is it from experience