Keep your receipts. If you are filing a chapter 13, you need to "prepare" for it. Stock up, like I said. Make sure your car can/will last 5 years. If it needs work, use that tax refund to get it fixed. If your condo needs any repairs, get those done prior to filing. Also, as to keeping 1 credit card, I doubt that Cap 1 would allow that but you can always call and ask them, once you file.