Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
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You don’t have to tell the credit cards anything … you can simply list them in your bankruptcy schedules, then file the bankruptcy. The phones will stop ringing soon after because your creditors will be notified of the bankruptcy by the court. I don’t see an advantage to telling the credit card companies that you’re going to file at some point in the future. In fact, I’d advise people not to do that unless you want to negotiate a settlement.
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