Cell Phones in Bankruptcy
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Cell Phones in Bankruptcy

Cell phone bills may not be as scary as medical or credit card debt, but these payments can add up. And text messages and Internet use add further costs to the traditional calling expenses.

Even worse, cell phone companies prefer to lock customers into long-term contracts. These contracts may prove burdensome if the phone user gets into unexpected financial trouble.

Fortunately, cell phone bills may be eliminated through bankruptcy , which is designed to help consumers shed their debts.

Eliminating Cell Phone Bills in Bankruptcy

In bankruptcy, filers create a list of creditors to whom they owe money. A common question for bankruptcy filers is whether they should include their cell phone providers as a creditor. This may depend on the status of the account:

  • Old accounts. If you owe money on a closed cell phone account, then this should be included in your bankruptcy filing.
  • Active, past-due accounts. For filers who owe money on an active cell phone plan, listing their cell phone provider as a creditor may allow them to discharge the debt during bankruptcy.
  • Active accounts with no debt. Even if filers do not currently owe money to cell phone companies, they may still wish to include their provider as a potential creditor.

Bankruptcy laws vary by state, so when you file for bankruptcy, you may want to ask a bankruptcy attorney if you should include your cell phones in bankruptcy.

Cell Phones in Chapter 7 and Chapter 13

Overdue cell phone bills may be treated differently depending on the type of bankruptcy a person files:

How bankruptcy treats cell phones depends in large part on your state's bankruptcy laws and your unique financial situation.

To connect with a local bankruptcy attorney for a free consultation about cell phones in your bankruptcy filing, simply fill out the brief form below:

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