Thank you for your question. I am happy to assist you.
Since a full year has passed, you likely will not have an adversary issue or trustee issue based on the cards. But no guarantees. The worst that could happen is that an adversary is filed and you settle the adversary with a payment plan.
If you do not file, you can have your wages garnished.
I hope that the information which I provided was helpful to you.
Best wishes for a successful outcome. If you have additional questions, please do not hesitate to submit them to me directly.
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