What happens with my credit card debt (or any unsecured debt) upon bankruptcy discharge?

For people who file under Chapter 7 of the Bankruptcy Code, most credit card debt is eliminated completely upon discharge. For people who file under Chapter 13 of the Bankruptcy Code, the debt is restructured and much of it is often eliminated after making some payments to your credit card carriers. The amount that any individual may have to pay to their creditors under a Chapter 13 case will be dictated by the Chapter 13 Plan. There are some rare exceptions to this and if you have specific questions about a particular piece of debt from your past, please contact your local attorney.