Boscoe wrote:Mara Blue - Your attorney is giving you bad info. That is not true. What is required is that you list ALL debts, even those to family and friends (if any). If a credit card has a zero balance, that is NOT debt.The other thing to remember is NOT to use any credit cards from at least 90 days prior to your filing date until you are discharged. That will get you in trouble if you do....
It's still an open line of credit, and therefore needs to be included in the filing.
Sorry, but that is SIMPLY WRONG!
You may be able to maintain a "store" charge account that doesn't have a balance on it.
I held on to two retail cards during my BK mess.