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StartingOver10
Posts: 4,579
Registered: ‎03-06-2010
Re: Zero Consumer Debt filing for Bk can I keep any of my 16 cards

Since you have zero balance on the cards, I would close the accounts with a zero balance before filing BK. This will look much better to the creditor since you don't have a balance with them. As to the ones that you haven't activated yet, I would NOT activate them prior to filing at all. Call and tell them you want to close the account.

 

This will put you in much better position after you are discharged because you won't have "burned" those creditors in the BK. Believe me, it is easier to go back and get an account with a creditor from which you had no prior balance after you are discharged.