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How do I get new credit cards after bankruptcy?

By Florida Law Advisers, P.A. |

While some banks may be skeptical about extending credit so soon after bankruptcy, some retailers may be more willing to do so. Retailers (such as gas stations, for example) will often have less restrictions for new applicants in comparison to the big banks.

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Can I file bankruptcy for credit cards?

By Florida Law Advisers, P.A. |

Most unsecured debts are discharged in Chapter 7 bankruptcy. Unsecured debts are loans that don’t have collateral, such as credit card bills. The debts are eligible to be discharged regardless if you are current on the monthly payments or not.

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Will I have to pay my credit cards in bankruptcy?

By Florida Law Advisers, P.A. |

Most unsecured debts are discharged in Chapter 7 bankruptcy. Unsecured debts are loans that don’t have collateral, such as credit cards. The credit cards bills are eligible to be discharged regardless if you are behind on the monthly payments or current.

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Is debt consolidation better than bankruptcy for credit cards?

By Florida Law Advisers, P.A. |

Each type of debt relief provides its own unique benefits and disadvantages. You should consult with an attorney to see which type of debt relief would be best for your specific situation.

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Can I keep credit cards open after bankruptcy?

By Florida Law Advisers, P.A. |

Unfortunately, banks usually reserve the right to cancel credit card accounts at any time. Therefore, they can close your account regardless if you file bankruptcy or not. Additionally, you will likely not be able to force a credit card company to keep the account open if they insist on closing it.

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Do all debts get discharged?

By Florida Law Advisers, P.A. |

Most unsecured debts are discharged in Chapter 7. Unsecured debts are loans without collateral, such as credit cards and medical bills.

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Will I lose my home?

By Florida Law Advisers, P.A. |

Homestead property (primary residence) is an exempt (protected) asset in Chapter 7. Therefore, you may not have to forfeit your home as a condition of the bankruptcy.

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