{"id":106478,"date":"2025-06-13T05:43:41","date_gmt":"2025-06-13T05:43:41","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/does-bankruptcy-wipe-out-credit-card-debt\/"},"modified":"2025-06-13T05:43:41","modified_gmt":"2025-06-13T05:43:41","slug":"does-bankruptcy-wipe-out-credit-card-debt","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/does-bankruptcy-wipe-out-credit-card-debt\/","title":{"rendered":"Does bankruptcy wipe out credit card debt?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/does-bankruptcy-wipe-out-credit-card-debt\/#Does_Bankruptcy_Wipe_Out_Credit_Card_Debt\" title=\"Does Bankruptcy Wipe Out Credit Card Debt?\">Does Bankruptcy Wipe Out Credit Card Debt?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/does-bankruptcy-wipe-out-credit-card-debt\/#1_What_is_Chapter_7_bankruptcy\" title=\"1. What is Chapter 7 bankruptcy?\">1. What is Chapter 7 bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/does-bankruptcy-wipe-out-credit-card-debt\/#2_What_is_Chapter_13_bankruptcy\" title=\"2. What is Chapter 13 bankruptcy?\">2. What is Chapter 13 bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/does-bankruptcy-wipe-out-credit-card-debt\/#3_Will_all_of_my_credit_card_debt_be_discharged_in_bankruptcy\" title=\"3. Will all of my credit card debt be discharged in bankruptcy?\">3. Will all of my credit card debt be discharged in bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/does-bankruptcy-wipe-out-credit-card-debt\/#4_Can_I_choose_which_debts_to_include_in_bankruptcy\" title=\"4. Can I choose which debts to include in bankruptcy?\">4. Can I choose which debts to include in bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/does-bankruptcy-wipe-out-credit-card-debt\/#5_How_does_bankruptcy_affect_my_credit_score\" title=\"5. How does bankruptcy affect my credit score?\">5. How does bankruptcy affect my credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/does-bankruptcy-wipe-out-credit-card-debt\/#6_How_long_does_bankruptcy_stay_on_my_credit_report\" title=\"6. How long does bankruptcy stay on my credit report?\">6. How long does bankruptcy stay on my credit report?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/does-bankruptcy-wipe-out-credit-card-debt\/#7_Can_I_apply_for_new_credit_after_bankruptcy\" title=\"7. Can I apply for new credit after bankruptcy?\">7. Can I apply for new credit after bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/does-bankruptcy-wipe-out-credit-card-debt\/#8_Will_I_lose_all_my_assets_in_bankruptcy\" title=\"8. Will I lose all my assets in bankruptcy?\">8. Will I lose all my assets in bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/does-bankruptcy-wipe-out-credit-card-debt\/#9_Can_I_file_for_bankruptcy_to_avoid_paying_off_credit_card_debt\" title=\"9. Can I file for bankruptcy to avoid paying off credit card debt?\">9. Can I file for bankruptcy to avoid paying off credit card debt?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/does-bankruptcy-wipe-out-credit-card-debt\/#10_How_can_I_avoid_bankruptcy_and_manage_credit_card_debt\" title=\"10. How can I avoid bankruptcy and manage credit card debt?\">10. How can I avoid bankruptcy and manage credit card debt?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/does-bankruptcy-wipe-out-credit-card-debt\/#11_Will_my_credit_card_debt_be_automatically_discharged_in_bankruptcy\" title=\"11. Will my credit card debt be automatically discharged in bankruptcy?\">11. Will my credit card debt be automatically discharged in bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/does-bankruptcy-wipe-out-credit-card-debt\/#12_Can_creditors_still_pursue_me_for_debt_after_bankruptcy\" title=\"12. Can creditors still pursue me for debt after bankruptcy?\">12. Can creditors still pursue me for debt after bankruptcy?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Does_Bankruptcy_Wipe_Out_Credit_Card_Debt\"><\/span>Does Bankruptcy Wipe Out Credit Card Debt?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you find yourself drowning in credit card debt with no feasible way out, declaring bankruptcy might seem like a viable option to wipe the slate clean. While bankruptcy can provide relief from overwhelming debt, it&#8217;s essential to understand how it affects credit card debt specifically.<\/p>\n<p>Bankruptcy can indeed wipe out credit card debt, but the process can vary depending on the type of bankruptcy you file for. There are two common types of bankruptcy individuals typically file for \u2013 Chapter 7 and Chapter 13.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_Chapter_7_bankruptcy\"><\/span>1. What is Chapter 7 bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nChapter 7 bankruptcy, also known as liquidation bankruptcy, involves the sale of your non-exempt assets to pay off your debts. Once the process is complete, most of your unsecured debts, including credit card debt, are typically discharged.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_What_is_Chapter_13_bankruptcy\"><\/span>2. What is Chapter 13 bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nChapter 13 bankruptcy, on the other hand, involves setting up a repayment plan to pay off your debts over a 3-5 year period. In this process, you might not necessarily have all your credit card debt wiped out, but you can still benefit from reduced payments and potential forgiveness of a portion of the outstanding balance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Will_all_of_my_credit_card_debt_be_discharged_in_bankruptcy\"><\/span>3. Will all of my credit card debt be discharged in bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile most credit card debt can be discharged in bankruptcy, certain types of debt such as child support payments, tax debt, and student loans are typically not eligible for discharge.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Can_I_choose_which_debts_to_include_in_bankruptcy\"><\/span>4. Can I choose which debts to include in bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYou must list all of your debts when filing for bankruptcy, including credit card debt. You cannot selectively choose which debts to include or exclude from the process.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_How_does_bankruptcy_affect_my_credit_score\"><\/span>5. How does bankruptcy affect my credit score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nFiling for bankruptcy can have a significant negative impact on your credit score, potentially causing it to drop by 100 or more points. However, it&#8217;s essential to remember that bankruptcy can provide a fresh start and an opportunity to rebuild your credit over time.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_How_long_does_bankruptcy_stay_on_my_credit_report\"><\/span>6. How long does bankruptcy stay on my credit report?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA Chapter 7 bankruptcy can stay on your credit report for up to 10 years, while a Chapter 13 bankruptcy can remain for up to 7 years. During this time, it may be challenging to obtain new credit or loans.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_I_apply_for_new_credit_after_bankruptcy\"><\/span>7. Can I apply for new credit after bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile it may be challenging to obtain new credit immediately after bankruptcy, some lenders offer credit cards specifically designed for individuals in the process of rebuilding their credit. Secured credit cards or credit builder loans can be good options for post-bankruptcy individuals.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Will_I_lose_all_my_assets_in_bankruptcy\"><\/span>8. Will I lose all my assets in bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn Chapter 7 bankruptcy, non-exempt assets may be sold to pay off your creditors. However, certain assets such as your primary residence, retirement accounts, and personal belongings are often protected under bankruptcy laws.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_I_file_for_bankruptcy_to_avoid_paying_off_credit_card_debt\"><\/span>9. Can I file for bankruptcy to avoid paying off credit card debt?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nBankruptcy is not a decision to be taken lightly and should only be considered as a last resort when facing overwhelming debt. Filing for bankruptcy solely to avoid paying off credit card debt is not advisable and can have long-term consequences.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_How_can_I_avoid_bankruptcy_and_manage_credit_card_debt\"><\/span>10. How can I avoid bankruptcy and manage credit card debt?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you&#8217;re struggling with credit card debt, there are alternatives to bankruptcy that you can explore such as debt consolidation, negotiation with creditors, or seeking assistance from credit counseling services.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Will_my_credit_card_debt_be_automatically_discharged_in_bankruptcy\"><\/span>11. Will my credit card debt be automatically discharged in bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nUpon filing for bankruptcy, your credit card debt will be included in the process. However, the discharge of debt is subject to approval by the bankruptcy court, and certain debts may not be eligible for discharge.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_creditors_still_pursue_me_for_debt_after_bankruptcy\"><\/span>12. Can creditors still pursue me for debt after bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nOnce your debts are discharged in bankruptcy, creditors are legally prohibited from attempting to collect on those debts. If you continue to receive collection calls or notices after bankruptcy, you should consult with your bankruptcy attorney for assistance.<\/p>\n<p>In conclusion, while bankruptcy can provide relief from overwhelming credit card debt, it&#8217;s crucial to weigh the pros and cons of such a decision carefully. Consulting with a bankruptcy attorney or financial advisor can help you understand your options and make an informed choice based on your individual circumstances.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Does Bankruptcy Wipe Out Credit Card Debt? If you find yourself drowning in credit card debt with no feasible way out, declaring bankruptcy might seem like a viable option to wipe the slate clean. While bankruptcy can provide relief from overwhelming debt, it&#8217;s essential to understand how it affects credit card debt specifically. Bankruptcy can &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Does bankruptcy wipe out credit card debt?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/does-bankruptcy-wipe-out-credit-card-debt\/#more-106478\">Read more<span class=\"screen-reader-text\">Does bankruptcy wipe out credit card debt?<\/span><\/a><\/p>\n","protected":false},"author":15,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-106478","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does bankruptcy wipe out credit card debt?<\/title>\n<meta name=\"description\" content=\"Does Bankruptcy Wipe Out Credit Card Debt? 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