{"id":189892,"date":"2024-03-25T19:37:28","date_gmt":"2024-03-25T19:37:28","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/?p=189892"},"modified":"2024-03-25T19:37:28","modified_gmt":"2024-03-25T19:37:28","slug":"can-you-file-bankruptcy-just-on-credit-cards","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/can-you-file-bankruptcy-just-on-credit-cards\/","title":{"rendered":"Can you file bankruptcy just on credit cards?"},"content":{"rendered":"<p>When financial hardships strike, it can feel overwhelming and leave individuals drowning in debt. If you find yourself in this situation with an overwhelming amount of credit card debt, you may wonder if filing for bankruptcy is a viable option. Bankruptcy is a legal process that provides relief for individuals struggling with debt, but can you file bankruptcy specifically for credit card debt? Let&#8217;s delve into this question and explore what bankruptcy entails, how it can affect your credit card debt, and answer some related frequently asked questions.<\/p>\n<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\/can-you-file-bankruptcy-just-on-credit-cards\/#Understanding_Bankruptcy\" title=\"Understanding Bankruptcy\">Understanding Bankruptcy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/can-you-file-bankruptcy-just-on-credit-cards\/#Chapter_7_Bankruptcy\" title=\"Chapter 7 Bankruptcy\">Chapter 7 Bankruptcy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/can-you-file-bankruptcy-just-on-credit-cards\/#Chapter_13_Bankruptcy\" title=\"Chapter 13 Bankruptcy\">Chapter 13 Bankruptcy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/can-you-file-bankruptcy-just-on-credit-cards\/#Can_you_file_bankruptcy_just_on_credit_cards\" title=\"Can you file bankruptcy just on credit cards?\">Can you file bankruptcy just on credit cards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/can-you-file-bankruptcy-just-on-credit-cards\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/can-you-file-bankruptcy-just-on-credit-cards\/#1_How_does_bankruptcy_affect_my_credit_score\" title=\"1. How does bankruptcy affect my credit score?\">1. 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\/can-you-file-bankruptcy-just-on-credit-cards\/#2_Can_I_keep_any_of_my_credit_cards_if_I_file_for_bankruptcy\" title=\"2. Can I keep any of my credit cards if I file for bankruptcy?\">2. Can I keep any of my credit cards if I file for bankruptcy?<\/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\/can-you-file-bankruptcy-just-on-credit-cards\/#3_Will_I_be_completely_debt-free_after_filing_for_bankruptcy\" title=\"3. Will I be completely debt-free after filing for bankruptcy?\">3. Will I be completely debt-free after filing for 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\/can-you-file-bankruptcy-just-on-credit-cards\/#4_Will_I_lose_my_personal_assets_in_bankruptcy\" title=\"4. Will I lose my personal assets in bankruptcy?\">4. Will I lose my personal 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\/can-you-file-bankruptcy-just-on-credit-cards\/#5_Can_I_file_bankruptcy_if_I_have_already_been_sued_by_a_credit_card_company\" title=\"5. Can I file bankruptcy if I have already been sued by a credit card company?\">5. Can I file bankruptcy if I have already been sued by a credit card company?<\/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\/can-you-file-bankruptcy-just-on-credit-cards\/#6_Can_I_discharge_credit_card_debt_incurred_shortly_before_bankruptcy\" title=\"6. Can I discharge credit card debt incurred shortly before bankruptcy?\">6. Can I discharge credit card debt incurred shortly before bankruptcy?<\/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\/can-you-file-bankruptcy-just-on-credit-cards\/#7_How_long_does_bankruptcy_stay_on_my_credit_report\" title=\"7. How long does bankruptcy stay on my credit report?\">7. 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-13\" href=\"https:\/\/namso-gen.co\/blog\/can-you-file-bankruptcy-just-on-credit-cards\/#8_Can_I_apply_for_credit_cards_after_bankruptcy\" title=\"8. Can I apply for credit cards after bankruptcy?\">8. Can I apply for credit cards after bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/namso-gen.co\/blog\/can-you-file-bankruptcy-just-on-credit-cards\/#9_How_soon_after_bankruptcy_can_I_get_a_mortgage\" title=\"9. How soon after bankruptcy can I get a mortgage?\">9. How soon after bankruptcy can I get a mortgage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/namso-gen.co\/blog\/can-you-file-bankruptcy-just-on-credit-cards\/#10_Can_bankruptcy_stop_foreclosure\" title=\"10. Can bankruptcy stop foreclosure?\">10. Can bankruptcy stop foreclosure?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/namso-gen.co\/blog\/can-you-file-bankruptcy-just-on-credit-cards\/#11_Is_bankruptcy_the_only_solution_for_credit_card_debt\" title=\"11. Is bankruptcy the only solution for credit card debt?\">11. Is bankruptcy the only solution for credit card debt?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/namso-gen.co\/blog\/can-you-file-bankruptcy-just-on-credit-cards\/#12_Do_I_need_an_attorney_to_file_for_bankruptcy\" title=\"12. Do I need an attorney to file for bankruptcy?\">12. Do I need an attorney to file for bankruptcy?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Understanding_Bankruptcy\"><\/span>Understanding Bankruptcy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bankruptcy is a legal process that allows individuals or businesses to eliminate or restructure their debts under the protection of the court. It provides a fresh start by discharging certain debts or creating a repayment plan. Bankruptcy laws differ between countries, but in the United States, there are two common types of bankruptcy for individuals: Chapter 7 and Chapter 13.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Chapter_7_Bankruptcy\"><\/span>Chapter 7 Bankruptcy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Chapter 7 bankruptcy, often referred to as liquidation bankruptcy, involves the liquidation of assets to pay off debts. A trustee is appointed to oversee the process, and non-exempt assets are sold to satisfy creditors. Debts not covered by the liquidation process are typically discharged or forgiven.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Chapter_13_Bankruptcy\"><\/span>Chapter 13 Bankruptcy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Chapter 13 bankruptcy, on the other hand, enables individuals to reorganize their debts and establish a repayment plan spanning three to five years. This allows debtors to repay a portion or all of their debts in a more manageable way.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Can_you_file_bankruptcy_just_on_credit_cards\"><\/span><b>Can you file bankruptcy just on credit cards?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Yes, you can file bankruptcy specifically for credit card debt. Both Chapter 7 and Chapter 13 bankruptcies cover credit card debt along with other unsecured debts such as medical bills, personal loans, and more. While bankruptcy may discharge your credit card debt, it&#8217;s important to note that it can have long-lasting consequences on your credit score and financial future.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_How_does_bankruptcy_affect_my_credit_score\"><\/span>1. How does bankruptcy affect my credit score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nBankruptcy has a significant impact on your credit score and will likely lower it. The exact decrease will depend on your previous credit history and the type of bankruptcy filed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Can_I_keep_any_of_my_credit_cards_if_I_file_for_bankruptcy\"><\/span>2. Can I keep any of my credit cards if I file for bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nGenerally, credit cards are closed during the bankruptcy process. However, some secured credit cards may allow you to keep them if you continue making payments.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Will_I_be_completely_debt-free_after_filing_for_bankruptcy\"><\/span>3. Will I be completely debt-free after filing for bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile bankruptcy can discharge many of your debts, certain obligations, such as student loans, child support, and tax debts, may not be discharged.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Will_I_lose_my_personal_assets_in_bankruptcy\"><\/span>4. Will I lose my personal assets in bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn Chapter 7 bankruptcy, non-exempt assets may be sold to repay creditors. However, exemptions vary by jurisdiction, and many people can protect most, if not all, of their assets.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_I_file_bankruptcy_if_I_have_already_been_sued_by_a_credit_card_company\"><\/span>5. Can I file bankruptcy if I have already been sued by a credit card company?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can file for bankruptcy even if you&#8217;ve been sued by a credit card company. Filing for bankruptcy will temporarily halt the lawsuit as it falls under an automatic stay.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_I_discharge_credit_card_debt_incurred_shortly_before_bankruptcy\"><\/span>6. Can I discharge credit card debt incurred shortly before bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nCredit card debt incurred immediately before filing for bankruptcy may be subject to scrutiny by the court, especially if it appears fraudulent. It&#8217;s crucial to consult with a bankruptcy attorney for guidance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_How_long_does_bankruptcy_stay_on_my_credit_report\"><\/span>7. How long does bankruptcy stay on my credit report?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA Chapter 7 bankruptcy will typically remain on your credit report for ten years, while a Chapter 13 bankruptcy will stay on for seven years.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_I_apply_for_credit_cards_after_bankruptcy\"><\/span>8. Can I apply for credit cards after bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can apply for credit cards after bankruptcy; however, your options may be limited, and interest rates may be higher. Secured credit cards or those specifically designed for post-bankruptcy individuals may be a good starting point.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_How_soon_after_bankruptcy_can_I_get_a_mortgage\"><\/span>9. How soon after bankruptcy can I get a mortgage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIt is possible to secure a mortgage after bankruptcy. The waiting period may vary depending on the type of bankruptcy filed, with Chapter 7 typically requiring a longer wait than Chapter 13.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_bankruptcy_stop_foreclosure\"><\/span>10. Can bankruptcy stop foreclosure?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, filing for bankruptcy triggers an automatic stay, which temporarily halts foreclosure proceedings. However, it&#8217;s essential to consult with an attorney to understand the specific regulations in your jurisdiction.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Is_bankruptcy_the_only_solution_for_credit_card_debt\"><\/span>11. Is bankruptcy the only solution for credit card debt?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nBankruptcy should be considered as a last resort. Before filing, explore other debt management options such as negotiation, debt consolidation, or credit counseling.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Do_I_need_an_attorney_to_file_for_bankruptcy\"><\/span>12. Do I need an attorney to file for bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile it is possible to file for bankruptcy without an attorney, due to the complex nature of the process, seeking legal advice from an experienced bankruptcy attorney is highly recommended to navigate the legal requirements effectively.<\/p>\n<p>In conclusion, if credit card debt has become an insurmountable burden, filing for bankruptcy can provide relief. Both Chapter 7 and Chapter 13 bankruptcies cover credit card debt, but it&#8217;s crucial to understand the consequences and consider alternatives before proceeding. Consulting with a bankruptcy attorney will ensure you make an informed decision tailored to your specific financial situation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When financial hardships strike, it can feel overwhelming and leave individuals drowning in debt. If you find yourself in this situation with an overwhelming amount of credit card debt, you may wonder if filing for bankruptcy is a viable option. Bankruptcy is a legal process that provides relief for individuals struggling with debt, but can &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Can you file bankruptcy just on credit cards?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/can-you-file-bankruptcy-just-on-credit-cards\/#more-189892\">Read more<span class=\"screen-reader-text\">Can you file bankruptcy just on credit cards?<\/span><\/a><\/p>\n","protected":false},"author":49,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-189892","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>Can you file bankruptcy just on credit cards?<\/title>\n<meta name=\"description\" content=\"When financial hardships strike, it can feel overwhelming and leave individuals drowning in debt. 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