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You have as long as you want...you never have to do it. It is your option. Filing means that the court provides you protection from creditors...so they must stop collection efforts...already filed suits and such will be handled as part of the BK process.

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Q: How long after you stop paying credit cards do you have to file bankruptcy how long until cc companies file suit?
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Related questions

Are there any types of credit cards one can get if they have declared bankruptcy?

When in bankruptcy it is not possible to have a credit card. Once the terms of the bankruptcy have been met, some credit card companies will consider issuing a credit card to some people.


how can i get help paying my credit cards and hospital bills?

help paying credit cards


Can you put credit cards on a bankruptcy?

yep


How can paying down your credit cards lower your credit score?

Paying down your credit cards won't lower your scores-- but paying off and closing the credit cards will lower the scores. You want to show that your cards are not maxed out and you have plenty of room between the credit limit and the balance .


Is it possible to just declare bankruptcy on credit cards?

You can declare bankruptcy due to credit card debts, yes.


What is an Example of good credit?

Paying off all credit cards each month Paying off all credit cards each month


Do you have to list credit cards with a zero balance in a bankruptcy?

no


Am I still allowed credit cards after bankruptcy?

Yes, it is still possible to get a credit card after bankruptcy. "Secure" credit cards require you to place a security deposit down in the event of default, but they are a good way of rebuilding your credit.


What is an example of exhibiting good credit?

Paying off all credit cards each month Paying off all credit cards each month


Can credit cards be used after someone files for bankruptcy?

Sometimes credit card charges are not included in bankruptcy. If they are then you will no longer be able to use them.


Can you file bankruptcy on credit cards that are not in your name but you are responsible for?

check Federal Bankruptcy act 801.3


Can you file for bankruptcy if your credit cards have gone into collections?

Yes.