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Dimitry Esquire
Dimitry Esquire, Attorney
Category: Bankruptcy Law
Satisfied Customers: 41220
Experience:  Provide General Practice advice to my clients in my practice.
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In my credit history I have a charge placed by one of my creditors

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In my credit history I have a charge placed by one of my creditors after I did not show up in court. My friend told me that if I file bankruptcy this charge will be removed. Is that true?

Thank you for your question. Please permit me to assist you with your concerns.


I am afraid that is not true. Filing for bankruptcy can allow the debt to be 'discharged' and be uncollectible against you. But the debt would still remain on your credit history, it would just appear to be unpaid and 'discharged', which would further significantly harm and lower your credit worthiness. Filing for bankruptcy does not remove credit records, it makes the debt dischargeable, but that further damages your credit going forward.

Hope that clarifies.

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