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Credit Cards in Bankruptcy

For many people, unmanageable credit card debt is a big factor in their decision to file for Chapter 7 or Chapter 13 bankruptcy. Before you file, make sure you understand how Chapter 7 and Chapter 13 bankruptcy will treat your credit card debt. In most instances, it will be wiped out at the end of your bankruptcy -- but not always. Learn when you might be on the hook for your credit card debt after bankruptcy, how much of it you'll have to repay in your Chapter 13 repayment plan, and what your chances are of getting a new credit card when your bankruptcy is over.

How much of your credit card debt you must pay through your Chapter 13 bankruptcy plan depends on a number of factors. Whatever amount is left at the end of your repayment period will be discharged (wiped out).

You'll likely have to give up all of your credit cards if you file for Chapter 7 bankruptcy, but you can start rebuilding your credit once your case is closed.

If you file for bankruptcy, you might not be able to get rid of recent cash advances or credit card charges for luxury items.

Buying luxury goods on credit before you file bankruptcy comes with the risk of having to repay the debt. Learn why you will want to stop using credit cards before bankruptcy and the one exception to the rule.

If you run up your credit card balances right before filing for bankruptcy, the debt might not be wiped out by your bankruptcy.

Generally, you aren't required to surrender your credit cards to the bankruptcy trustee. Depending on where you live, certain bankruptcy courts or trustees might ask you to turn them over. Learn about filing for bankruptcy on credit cards, keeping credit cards in bankruptcy, and applying for a credit card after bankruptcy.

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