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Cash advances may be challenged as an exception to discharge based upon fraudulent intent not to repay. The more time that elapses between when the advance was taken and the filing of the petition, the more difficult the intent not to repay is to prove.
The credit card company would need to file an action within the bankruptcy called an "adversary proceeding" to challenge the dischargeablitiy of the debt. If that were to occur, you could consider negotiating a payment plan. If the debt were to be determined as nondischargeable, it would be handled similar to any debt that was not involved in a bankruptcy,
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