Getting sued by a creditor is a wake-up call to consider filing bankruptcy. If it's the right thing to do, there are advantages to filing before your deadline to respond to the lawsuit.
What is the "presumption" that certain credit card purchases and cash advances will not be discharged in bankruptcy?
In most Chapter 7 "straight bankruptcies," most debts are legally written off, especially debts that are not secured by any collateral and don't belong to any of the special "priority" categories of debt. But how about in a Chapter 13 payment plan? What determines whether these creditors get paid, and if so how much?
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