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Chapter 13 bankruptcy: In what's also known as "reorganization" bankruptcy, cash advances are often assigned a low repayment priority. In Chapter 13 cases, filers westpac cash advance fee their secured unsecured debts over a period of three to five years; in many instances, low-priority unsecured debts (which often include credit card debt, medical bills and cash advances) may be discharged at the end of the case.
Time Concerns for Cash Advances in Bankruptcy. The other important piece of the cash-advance-and-bankruptcy puzzle is the age and amount of your cash advance debts. Here's a look at some numbers. Cash advances: Whether in the form of a payday loan or an advance on your credit card, cash advances must be more than 70 days old if they total 750 or more in order to be eligible for a bankruptcy discharge.
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