if i learned anything about bankruptcy on answers you will need a lawyer so if you are leaning toward taking bk i suggest you get one!!!f

you credit rating become ZERO….. and will stay that way well after the bankruptcy is discharged….

The credit card debt becomes part of the bankruptcy.. and the cards get shut down… IMMEDIATELY….

I found interesting information about your answer & options here. (this article: Personal Bankruptcy, the myths and facts:) luck!

The accounts may be closed, but even closed accounts show up in your credit history. Open accounts don’t automatically close with a bankruptcy.

However, bankruptcies are a huge negative mark on your credit score. It will drag down your score for the next seven years.