I live in Missouri and need to know if credit cards can be discharged in Bankruptcy. I have 2 cc company's that have placed liens on my house, the judgements total $20K plus 9% interest and 2 cc accounts that have gone to collections totally about $20k. I am currently paying on 1 cc. and this company's representative (in the middle of a heated conversation) told me that Missouri is exempt in discharging cc debt in Bankruptcy. I need to know if this is true or if she was trying to bluff me. I had missed 2 payments and she was talking pretty bad to me. She even went as far to call my daughter at work about my debt and she called my ex husband also. She had their information because my daughter is a joint acct. holder and my ex is still a member of this credit union. I have since caught my payments up but, because I was late they raised my interest. My question is: Would Bankruptcy help me? and if so, would I be able to sell my house later on without any problems if I chose to not list it in Bankruptcy?