Paid property tax with credit card.

[rolf]

About a year and a half ago I paid half of a property tax bill with a credit card, the other half cash. At the time I did not know that I would be considering bankruptcy, or that paying taxes with a credt card is not good idea. I have an appointment with a lawyer next week and will definitely tell him about it. In the mean time, I am wondering what impact will be. Do we have to declare it, or does the credit card company have to notice it and challenge it. It is a realatively small amount about $1,400. I guess we would have to pay it back.

Using the NOLO means test, it looks like we will qualify for chapter 7, but not sure of that.

[keepmine]

Nobody is going to care about a cc charge from 18 months ago.
Let your lawyer know but, the cc company would have to file the adverserial proceeding. You don't need to volunteer anything.

[HHM]

Probably not an issue, to long ago for anyone to care.

Although the issue is not fraud...the issue is simply that property tax is a non-dischargeable debt. Any refinance (e.g. paying with a credit card) of a non-dischargeable debt makes that new debt (the credit card charge) non-dischargeable. But, the bank would need to show up and file a quicky AP, not likely to happen on a debt 18 months old even if it is a slam dunk case for the creditor.

[justbroke]

I can attest that it just depends on the lender. I paid $$$$ in property taxes on a credit card. The creditor never filed a dischargeability complaint, and the card was discharged.