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.
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If you have a dispute over a creditor charge and you are not getting anywhere over the phone, you may need to send the creditor a dispute letter in writing. You have the right to dispute a charge in the Fair Debt Collection Act. Be sure to keep a record of all correspondence. You want to keep a paper trail of when you sent in your documentation just in case they want to give you a hard time about it.
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