Can I list an old cell phone bill in my bankruptcy? and What happens to my cell phone service when I file bankruptcy?

Yes, we can list an old cell phone bill and wipe it out.  And if you want to maintain your current cell phone service, you can do that too.

First, as to old bills, we can discharge those debts.  We can also cancel any old or current cell phone contracts.  For example, let’s say that you have a 2 year contract with ATT Wireless, and you want to cancel that service.  We list ATT Wireless in the bankruptcy as a creditor, and then I list them in a separate section stating that we are cancelling the lease or contract.  This wipes out your contract and any outstanding balance.  The only problem is that you will still be liable for any usage of the phone after we file bankruptcy.  To be clear, if you use it after we file bankruptcy, you’ll have to pay for that month’s use, post-bankruptcy.

As for a current cell phone contract, it’s up to you.  If you want to maintain the service, then we  check a box in the bankruptcy advising that we want to assume (keep) the lease or contract.  If you want to cancel it, then we can cancel it.

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