Allow me to clarify the concern for you. The question has nothing, whatsoever, to do with creditors and everything to do with Citibank.

Her concern is whether or not Citibank, after awarding FF miles, can retract said miles because a debt was not paid to them. Is this a common practice or an unheard of rarity when it comes to banks and their approach to dealing with consumer bankruptcies?

Cheers.