There seems to be a misconception that you cannot include credit cards in a bankruptcy.  This could not be more far from the truth.  In most cases credit cards are treated like any other debt for bankruptcy purposes.  The new bankruptcy law did make it more difficult to clear out some debts incurred within a short period prior to the filing of the bankruptcy.  The law in this area is basically the same as it was prior to the passage of the new bankruptcy amendments.  Certain debts can survive the bankruptcy if a creditor files papers with the bk court requesting that the debt survive and the court agrees with the original creditor.  The process is not automatic however and you have the opportunity to dispute what the creditor is saying.

Get Advice From A Bankruptcy Lawyer If You Have Any Questions About Bankruptcy

Be sure to speak with a bankruptcy attorney if you have any concerns for your financial stability.  Do not let anyone other than an experienced bankruptcy lawyer tell you what debts may or may not survive a bankruptcy.  You can in most cases bankrupt credit cards in a bankruptcy.

There Is A Lot Of Misinformation About Bankruptcy

There is tons of bad information about bankruptcy all over the place.  Most people, often left with no other options, can still obtain tremendous relief from their debts and creditors through bankruptcy.  An experienced bk attorney can provide valuable assistance in assuring that the requirements of the new bankrutpcy law are met and that you obtain the relief and fresh start to which you are entitled.

This information is of general interest and should not be considered advice.  Should you need legal advice seek the services of a professional, legal adviser or attorney.