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Bankruptcy Blog

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Can You Pay Your Taxes By Credit Card Then File Bankruptcy?

Jul 13, 2015 By: Mike Cibik

Credit card debt is frequently discharged in bankruptcy. Taxes can be paid with a credit card. State and Federal governments accept and even encourage such payment. However, a credit card debt incurred to pay tax is probably not dischargeable. There are at least two important reasons why credit card convenience may result in non-dischargeable debt….

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Can You Discharge Payday Loans In Bankruptcy?

Jul 13, 2015 By: Mike Cibik

Payday Loans are a form of unsecured debt, although many people believe that these debts are secured. In fact, since the borrower is required to turn over a post-dated check to the Payday lender, most believe that they can go to jail if they do not make good on the check or if the check…

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Can You Go to Jail For Not Paying Your Bills?

Jul 13, 2015 By: Mike Cibik

Let’s start with the basics. Debtor’s Prison is jail time for failing to pay a bill. There is a famous line in the Charles Dickens’ story, A Christmas Carol, as he is asked for a donation to the poor and he retorts. “Are there no prisons? Are there no workhouses?” If you did not pay…

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credit-card-debt

More Ways to Blow Your Chance to Wipe Out Credit Card Debt

Jul 13, 2015 By: Mike Cibik

There are two basic ways to blow your chance to discharge the balance on your credit card in bankruptcy: 1. Lie on the credit application to get the credit 2. Use the card fraudulently Use the card fraudulently Credit card charges may survive a bankruptcy filing if they were incurred by false representations or actual…

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credit-card-debt

Ways to Blow Your Chance to Wipe Out Credit Card Debt

Jul 13, 2015 By: Mike Cibik

Somewhere in our recent past, the holiday season became the shopping season. Lots of people in financial trouble hang on through the holiday season before taking up bankruptcy as part of the New Year. (I haven’t seen many people give themselves a bankruptcy filing for Christmas, though, for many, it would be objectively the best…

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Can I lose my engagement ring in bankruptcy?

Jul 13, 2015 By: Mike Cibik

Even men with debt problems fall in love, and when they do, many of them will come up with a way to give their beloved a nice engagement ring.

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