Can I Put My Bankruptcy on a Credit Card if I File in New York City?

In our law offices in New York City we often hear things like, “can I use my credit card to pay for bankruptcy,” or “I’d like to pay for my bankruptcy on my credit card,” and even, “please run this on my AMEX.” Like any other business we would love to accept credit cards from everyone, but as an official debt relief agency as defined by the United States Supreme Court we cannot accept credit cards as payment from the person filing. Legally we cannot advise you to incur more debt before filing for bankruptcy, and by accepting a credit card as payment for legal services would be doing just that. We understand it can be difficult for some clients to come up with the necessary funds for a bankruptcy and that many people in need of bankruptcy could be living off their credit cards. In light of this we offer convenient payment plans to help our clients and depending on the type of bankruptcy case you file you may even be able to wrap up your legal payments into an overall repayment plan over 3-5 years. There are many ways to pay for the bankruptcy protection you need.

While we can’t accept a credit card payment from the person needing bankruptcy assistance, we can accept payment via credit card from a family member or friend willing to step in. We can also accept debit cards, and can even arrange for online payments through PayPal. We want to make paying for bankruptcy as easy as possible but are prevented by law from taking a credit card from the person filing bankruptcy.

If you are in need of bankruptcy assistance and on the verge of filing already you absolutely should not be using credit cards or taking any cash advances at this time anyway. It’s very likely that the debt you are racking up on a credit card now won’t be discharged in your bankruptcy. Bankruptcy will eliminate your debts, but you need to go about it the right way. You could be adding to your problems without even knowing it. Saving up, getting some help from family or finding a way to pay for a bankruptcy over time is much better way to pay for the legal assistance you need than to adding to your mountain of high interest credit card debt.

We work with clients to find a way to pay for their bankruptcies every day understanding that they are already very hard on their luck. If you’re having trouble making your ends meet and aren’t sure about how to pay for a bankruptcy please give us a call. The help you need is available no matter how bad the financial situation has become. If you live in New York City please contact the Law Offices of William Waldner online or at 212.244.2882 to arrange a free bankruptcy consultation today. We only practice bankruptcy law and maintain a 99% Chapter 7 bankruptcy discharge record in New York City as of 9/31/16.

**** DISCLAIMER: This article is intended for educational purposes only. By reading no attorney-client relationship has been created. Prior results do not guarantee a similar result for future clients.