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Several bankruptcy filers are questioning whether or not they are entitled to hold a single or many credit cards for emergencies backup. In general, you might not because your credit cards will be cancelled regardless, given that you file the bankruptcy. The credit card issuers tend to punish their card holders for filling any sort of bankruptcy in most situations, the credit cards of bankruptcy filers will be terminated after they file for a bankruptcy. But there are some exemptions exactly where terms and situations will be applied to allow the bankruptcy filers to continue holding their credit cards.
There are some exceptions applicable only to chapter 7 bankruptcy filers. Some credit card's issuers will allow you to preserve your credit card but with a sized down credit limit, and in return you require to repay them for some of your debts. In reality, some firms will automatically send you or your attorney a proposed reaffirmation agreement, a contract among you and your creditor that you will spend all or a portion of the income owed, regardless of the bankruptcy filing, in exchange for a minimal quantity of new credit.
Beside the sized down credit limit, a chapter 7 bankruptcy filers could let to hold their credit cards by some of their card issuers but the interest rate will be revised to a higher than the standard interest rate. But, if you can always pay your credit balance in complete every single month, you will never incur a finance charge, and the higher interest rate won't hurt you.
Other than chapter 7 bankruptcy filers, all credit cards ought to be given up at the filling of bankruptcy. Nonetheless, there are credit card holders who have maintained their credit cards at zero balance for a long period of time do not report their credit cards in the course of the filing. This action can be deemed illegal because in effect your preference on one particular creditor (your credit card issuer) over other creditors, since repayment ordination is a trustee job.
If you are not eligible to file beneath chapter 7 or even you are filling under chapter 7 but you did not manage to get approval from your credit card issuers to maintain your credit cards, the greatest factor is report all your credit cards and give them up. In most circumstances, your need to wait until the bankruptcy filing has cleared and then work with a debt management consultant to rebuilt your credit step by step. Of course, in the months and years immediately after the bankruptcy filling, you could not be eligible for top-tier or even middle-tier credit cards.
But with some efforts and fiscal technique such spend your month-to-month credit balance in complete and on schedule will assist you to rebuilt your excellent credit record and you can commence to erase the stigma of the bankruptcy and at some point put you back in the realm of great to high credit score.
In Summary
In most cases, bankruptcy filers need to have to give up their credit cards. But, there are exceptions for bankruptcy filers in chapter 7, the debtors who file their bankruptcy under chapter 7 may enable to keep their credit cards with some terms and situations.
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