Credit Card Debit

I have roughly 24k in credit card debt. I was wondering if I had to be behind on the payments before I can file for bankruptcy?


  • Hi Stephanie! Thanks for reaching out to Kain & Scott. That is a good question. A lot of people wonder the same thing. The answer is you are not required to be delinquent on your payments before you can file either Chapter 7 or Chapter 13 Bankruptcy. We have filed plenty of bankruptcy cases where the guest was current on all of their payments at the time we filed their bankruptcy case. I hope this helps you! Wes

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