Can I take my credit card out of my bankruptcy, so I can keep it?

3,334 families filed bankruptcy using Upsolve.

Written by Kristin Turner.  
Updated May 16, 2019

A nonprofit web app that helps you file bankruptcy for free.
  • We've helped over 2,000 families each clear on average $52,540 of debt.
  • Our users often file within 10 days of starting.
  • Our award winning nonprofit's help is 100% free.

If you have a credit card with a balance when you file bankruptcy, then you need to list it on your bankruptcy forms. This debt will automatically be discharged when your bankruptcy is approved unless you reaffirm it. If you decide to keep your credit card, you will need to contact your credit card provider and ask them their process for reaffirming this debt. 

Before you decide to keep the card, remember that it is generally not a good idea to do so after you file bankruptcy. This is especially true if credit card debt was part of what caused you to file in the first place! Your fresh start is a great opportunity to start over, so think carefully before deciding to bring any old baggage into your new life. You can always get a new card after your current debt is forgiven!

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Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can’t access their basic rights when they can’t afford to pay for help. Combining direct services and advocacy, we’re fighting this injustice.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.

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