You can’t pick and choose debts when filing Bankruptcy

Often times, prospective clients will call our firm about filing personal bankruptcy.  One of the concerns they raise is that they have a specific debt, such as a credit card with their personal bank, that they wish to not include in a bankruptcy filing.  The question ultimately becomes, can I exclude that debt?  The answer is — NO, you cannot exclude a debt when filing personal bankruptcy.  The U.S. Bankruptcy Code requires that all of […]