Under federal bankruptcy law, if the $10,000 credit card judgment against you that presumably is recorded on your home is not for an intentional tort is subject to a bankruptcy filing, most likely your obligation as to it will be discharged in a Chapter 7 filing assuming your liabilities greatly exceed your assets.Meaning, the judgment will be eliminated even though if recorded it may have some sort of a priority under the bankruptcy laws for payment. In all likelihood, assuming that this $10,000 credit card debt is not completely eliminated in a bankruptcy, chances are that you will only be obligated to pay a small percentage of what is owed.I suggest that you consult further with a bankruptcy attorney as to the issue that you are writing about.