Yes, so long as you qualify to file bankruptcy and you did not incur the credit card debt through fraud, the fact that they have a judgment against you already, does not make any difference. Many people are surprised by this, and think that once a state court grants a judgment against them, that is it, they can no longer discharge the debt in bankruptcy.

That's simply not true. But if the judgment-creditor has a reason to object to the discharge of that debt, say for example if you "charged up" your card right before filing bankruptcy, after you had decided to file bankruptcy, then they can object to the discharge of that debt, even if they don't have a judgment against you.

J Thomas Black
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Board Certified, Consumer Bankruptcy Law- Texas Board of Legal Specialization