Creditors' Right to Challenge Your Bankruptcy Case

Creditors can challenge the dischargeability of credit card purchases under certain circumstances. Under 11 U.S.C. 523(a)(2)(c),consumer debts owed to a single creditor and aggregating more than $500 for luxury goods or services incurred by an individual debtor on or within 90 days before the order for relief are presumed to be nondischargeable. Under the code, "luxury goods and services" are items that are not reasonably necessary to support you or your family. As such, a creditor may very well challenge the dischargeability of any debt incurred within 90 days of filing bankruptcy if the debt was incurred from the purchase of such items as computers, televisions, sporting goods, or jewelry.
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