Yes, the Christmas season is upon us. Time to load up on food, sweets, and presents. Unfortunately, the season is one where people over extend themselves in many directions including financially. We are talking about credit card debt. It is of course considered fraud to “load up” on credit card debt and then file bankruptcy. There is a specific provision in the bankruptcy code which makes such debts nondischargeable. For more information on this and other bankruptcy information, contact Attorney Steven Zaleski.