The answer to getting out of debt begins here

One of the most widely asked questions when I’m interviewing someone that is considering a bankruptcy is “ what will happen with my credit cards? Will I have to continue paying them? Will they be discharged ?”.  The good news is that your credit cards are unsecure assets. This means that they are dischargeable. The trustee may pay the creditor some of the money from assets they may have sold to pay creditors but that is probably the only money those creditors are going to see. So yes you will be able to discharge the debt related to the credit cards.

The problem with the credit cards is when you are using them when you know you are going to file bankruptcy. This could turn into a big problem and it can result in criminal charges if it can be proven that you knowingly committed fraud. This is why you have to stop using the credit cards as soon as you see problems. You will be asked to stop using the credit cards 90 days prior to filing. This is good rule to follow because not following it could bring problems. To avoid problems just make sure you stop using them 90 days prior to filing and do not use them knowing you will be filing bankruptcy in the future..   

What makes us different is that we walk you through every stage, making the process easier to deal with. At our law firm our first priority is you the client. Let our experience work for you.