Recently, one of my Chapter 13 bankruptcy clients asked if they need to continue to pay their cell phone bill after filing bankruptcy.
Yes, if you want to keep seeing those “bars”.
When you file Chapter 13 bankruptcy or Chapter 7 bankruptcyand you owe a debt for an ongoing service, like a cell phone, a utility, insurance, pest control, alarm monitoring, etc., and you want to keep that service uninterrupted, you must continue to pay the bill.
Now, if you have a cell phone bill that has gotten out of control and has gone unpaid for a number of months, or years, or decades, then you can eliminate your liability for that debt by filing Chapter 13 bankruptcy or Chapter 7 bankruptcy.
So, if you want to continue receiving that great reception you’re getting on your cell phone, keep paying the bill even though you’ve filed for bankruptcy.
However, if the debt collectors are calling you on your land line to collect on that past due cell phone bill, go ahead and file Chapter 13 or Chapter 7 bankruptcy to silence them and eliminate the debt.
photo credit: sdventures
