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.
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:
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.
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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