Bankruptcy Lawyer Illinois
Q.Would I be less likely to be granted a chapter 7 bankruptcy if the reason I needed it was credit card debts from online gambling? Please no lectures. If you knew how I felt right now...Please, give me some ideas or experience from you???
A.I recommend you cure your gambling tendency and wait to file bankruptcy until then. Gamblers Anonymous can help. Otherwise bankruptcy will not prove a solution. And, of course, the credit card companies will know if the cash advances came from casino ATMs, and many bankruptcy judges think "bad faith" when debtors seek to discharge gambling debts soon after incurring them. (There's always Chapter 13, though.) A skilled bankruptcy lawyer will know your local judges, and how far out you can push the envelope. Certainly you shouldn't file within 90 days of incurring the debts. If need be, get caller ID and stop answering your phone except for friends and family. Aside from the bad-faith issue (under which a discharge could be denied), payment for gambling debts have occasionally been attacked as fraudulent transfers. That's an arcane issue, best left to your lawyer. In one case I know of, In re Chomakos, 69 F.3d 769 (6th Cir. 1995) the argument didn't work, anyway.
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