Quote Quoting gonzodude
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I am wondering how it would affect my chapter 7 if I were to sign up for a 24 month smartphone contract before filing?
You can declare your current obligation on your account during bankruptcy, although I suspect that your carrier will cut off service if you do so. If you keep the phone, you'll have to continue to pay your bills after you file bankruptcy. If you're just going to return the phone and have the early cancellation fee discharged, I'm not sure that I see the point.