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Prevent Fraud Challenges on a Credit Card Debt
Very recent credit card purchases and cash advances can be a problem when filing bankruptcy. Smart timing can mostly solve this problem.
writing off debts
Smart Timing with the Presumptions of Fraud
You can avoid the presumptions of fraud, and so discharge more of your credit card debts, by timing your bankruptcy filing right.
Failing to List Debt but the Creditor Knows about Your Case
Usually if you don'='t list a debt, it doesn't get discharged. An exception is if the creditor still learns about your case, on time.
List all Creditors in Your Bankruptcy Case
If you don't list a debt in your bankruptcy case, and don't add it in on time, it may not be written off. So carefully include all debts.
Writing Off or Discharging Debts in Chapter 7 and Chapter 13
Bankruptcy is about writing off or discharging debts. The timing of discharge is quite different in Chapter 7 and 13; both are permanent.