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Challenged Options

Income Taxes
Unfiled Taxes
Credit Cards
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Challenged Options
Unlisted Debts
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What options are available if your credit card discharges are challenged?

First of all, you should consult an attorney before filing to lessen the likelihood of a challenge.  If you are concerned about a challenge by a credit card issuer to the discharge of a particular debt, there are several strategies available:

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Wait to file bankruptcy to put more time and/or more payments on the account between usage and filing.
 

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File Chapter 13 where even debts that may have been incurred fraudulently are dischargeable.
 

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Convert the case to Chapter 13 if non-dischargeability actions are filed.
 

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Contest the suit at trial; if you win, you may recover attorney fees incurred to defend the action.
 

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Settle with an objecting creditor if it appears likely you would lose a trial on a non-dischargeability action.

For more information about bankruptcy, please call us at 408-294-6100, or e-mail us via info@sjconsumerlaw.com.  One of our attorneys will be able to answer any questions which you may have in greater detail.  Please remember that the foregoing information is of a general nature, and does not constitute legal advice.  The facts of each situation are unique, and we must discuss those facts with you before any advice can be given.

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Revised
March 03, 2005

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