Credit card debts may be forgiven in bankruptcy if you did not run up charges immediately before filing.
After you file for bankruptcy, it is illegal for credit card companies to continue to press you for payment. They may not call you, file or proceed with a lawsuit against you, record liens against your income or property, report your debt to a credit reporting agency, or seize your bank accounts or property.
When you file for bankruptcy, something called an "automatic stay" immediately becomes effective. The automatic stay prevents most collection actions from starting or moving forward against you. This means that you cannot receive any harassing phone calls or letters, nor any threats from lawyers.
