Bankruptcy

I don't think that you will be able to file bankruptcy 7.

Please read the following: -



For more information, please go through Bankruptcy Chapter 7 - See alternatives

Phoenix -

I'm not sure I understand your explanation - the OP has a judgement against them from credit card debt. I don't see that covered in the information you provided.

The way I understand bankruptcy law, provided you have not used the credit card in a certain time frame prior to the bankruptcy filing, it can be discharged.

Also, the OP didn't say whether they were filing Chapter 7 or 13....either 7 or 13 can be considered "personal bankruptcy".

The bottom line is: if you have questions regarding what can be discharged in a bankruptcy, you need to contact a bankruptcy attorney - many of them offer free initial consultations, under no obligation to continue unless you are ready to file.

Filing bankruptcy will stop garnishments, judgements, lawsuits, etc.

Whether or not a person qualifies for bankruptcy protection (Chap 7 or 13) you need to speak with an attorney.

I had a judgement filed against me by one of my credit card companies and when I filed bankruptcy my judgement was stopped. But Like Suebeehoney said, the best thing to do is talk to a bankruptcy attorney...