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No Bankruptcy Discharge if Unlisted Credit Cards

By L. Jed Berliner, Massachusetts Bankruptcy Attorney on Apr 28, 2008 in Bankruptcy Cases & Legislation, Bankruptcy Practice and Procedure, Featured, Life After Bankruptcy, Massachusetts

She didn’t want to totally destroy her credit, so she didn’t list five credit cards with small balances. Sound familiar? Perhaps you’ve had this thought.

Bankruptcy papers are signed under penalties of perjury, and are the same as live testimony in court. If you knowingly leave something off, you’ve lied and your bankruptcy protections are at risk. This was the lesson for the debtor in Chase v. Harris (In re Harris), 2008 Bankr. LEXIS 1131 (B.A.P. 1st Cir. 2008) where, on appeal, the denial of discharge was sustained.

She didn’t want to totally destroy her credit, so she didn’t list five credit cards with small balances. Elsewhere on this site, you’ll see posts by myself and my colleagues discussing the availability of credit after bankruptcy. It’s out there. You’ll get it. You don’t need to perjure yourself.

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