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Jmira48

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What can you put on bankruptcy
What can i charge off on a bankruptcy?? Can i put electric & gas utility bills owed on any type of bankruptcy??

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Any back-debt on your utility bills can possibly be written off, if you're not still using them (that is, if you owe the local power company where you live a bunch of money, you probably can't expect them to eat a loss and then continue supplying electricity to your home.) But... I don't really know - however, a local lawyer does. The sibling's post about consulting a lawyer is a good idea - most of them give you an initial consultation for free, so it will only cost you the time to do it, and you can check with a couple of different ones to get a better overall idea. Now what it will do to your credit is a different story, and it varies depending on what type of bankruptcy (Chapter 7 versus 13), how much income and debt we're talking about, in addition to how much exempted("affirmed") credit will continue to be extended during/after the bankruptcy (things like a mortgage or auto loans).  Either way, talk to a lawyer... they can give you better advice as to whether or not filing will help you out.

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Utility bills are continual living expenses and likely cannot be put on bankruptcy.  Look in the phone book and find an attorney who specializes in bankruptcy and gives free initial consultations, then listen very carefully to that attorney's advice.  Just for your information, filing a bankruptcy will totally trash your credit score for ten years.                   

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