Hi Everyone - I am considering Chp7 BK because my credit card debt has become unmanageable. I currently have a 675 fico with no late payments on any of my revolving, installment or housing debts. Is it possible to BK with no late payments on any of the accounts? I know it may come as a shock to my creditors but I'd rather BK preemptively instead of having dergos on the accounts and then BKing anyway. Also I believe if I do not have any lates on the BK’d accounts it will help me to restore my fico faster after the discharge. Is this the case?

Any input is appreciated.