Chapter 5?

[Liaah]

I had my Upfront Rewards Visa call today and I told them the usual, we are filing Bk, gave them attorney info and he says, "Are you filing Chapter 5?"

Is there such a thing as chapter 5, or is he just testing me to see if we are really filing or just bluffing?

Thanks!

Weird things happen in BK that's for sure.

[HHM]

No such thing as chapter 5, either the person is an idiot or just testing you.

[lrprn]

Interestingly enough, the most pertinent chapter of the Amended Bankruptcy Code (BAPCPA) is....you guessed it....Chapter 5!

Did a quick Google search for "bankruptcy chapter 5" - amazingly got a a few legitimate hits referring to this! See http://www.caeb.uscourts.gov/data/wh...y_chapter5.pdf and http://doney.net/bkcode/ch05.htm .

Probably this is where the creditor is coming from, but it's still incredibly stupid to not know the real numbers for the consumer bankruptcy chapters!

[HHM]

There is a Chapter 5 to the Bankruptcy code (actually, there are chapters 1-13), but Chapter 5 is not a Chapter under which a debtor "files" BK.