Can I Eliminate Vacation Debt in Bankruptcy?

Woman checking papers

Question: We need a bankruptcy attorney in Roswell, Georgia. My wife and I both work. We have 3 kids. We have taken so many vacations that our debt is now not manageable. We have gone away basically at least once a month for the past 5 years. We have visited everywhere from the Reynolds Plantation at Lake Oconee, Chateau Elan and the Brasstown Valley Resort & Spa to places on the Georgia coast like Savannah, Sea Island and Jekyll Island to Europe, Africa and Iceland. We have taken at least 15 cruises in the past 5 years. We wanted to see the world and we did and now we have tons of debt that we put on credit cards.

I thought I could pay it off with my bonus from work but I can't. I work in Atlanta as a broker and my wife is a real estate sales agent in Johns Creek. We just got in over our heads and we need a fresh start.

Sometimes we'd stay at the W Hotel in Atlanta or the St. Regis in Atlanta for a long weekend. Or we'd visit Athens and stay for a few days and see a football game and we'd buy some Georgia Bulldog tickets from a scalper who would charge a lot of money.

A person at work told me that we can't discharge debt from trips or vacations. She said that only debts like medical debts could be discharged. Is that true?

Answer: No, it is not true. Debts from trips and vacations are dischargeable. We see that actually quite often. Many people accumulate large debts from vacations and need that debt discharged. Whether the debt is from visiting a destination here in Georgia, another state or country or from taking a cruise, it can be included in a bankruptcy.

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