Comments on: Can you include credit card debt in a bankruptcy?

By: YSIC

YSIC — Wed, 18 Nov 2009 13:00:20 +0000

Yes, you can include CC debt. About the only things you cannot include are child support and student loans. (and any other money you might owe the government).

By: OC1999

OC1999 — Wed, 18 Nov 2009 06:54:17 +0000

You not only can she but she MUST declare all of the debts in the bankrutcy. Knowingly leaving a debt off of her bankruptcy might cause it to be dismissed if they found out and they feel it was done to show preference to that creditor.

Now depending on her situation she may not be allowed a Chapter 7 but be moved into a Chapter 13 bankrutpcy. In a Chapter 13 they set up a payment plan to settle the debts.

When she talks to a lawyer they will walk her through the means test to determine which Bankruptcy chapter she can file for.

By: spifiman1

spifiman1 — Sun, 15 Nov 2009 12:55:51 +0000

All consumer debts can be included in a bankruptcy. It’s just a lot harder to file chapter 7 now.

First you have to go through 6-months of credit counseling and then take whats called a means test to determine weather you file chapter 13 or 7.

If you make over the average annual income for your State, you are forced into a chapter 13.

By: chris v

chris v — Fri, 13 Nov 2009 12:47:55 +0000

If they are in the Uk then yes cards can be included I know this as just helped my ex through the process, USA I wouldn’t be sure but they are seen here like all debt that is not linked to property or assured by another,

By: mibanker

mibanker — Wed, 11 Nov 2009 19:54:46 +0000

Yes you can… but because the BK laws have changed, it will probably start at a Chapter 13 instead of a 7. In a 13, the debt might be reduced, but have to be paid back. All consumer debt can be included in any BK.

By: calibombshell

calibombshell — Tue, 10 Nov 2009 14:35:20 +0000

You can. It is a debt.