Well, no. Yeah. Sort of.
There was a scene in "L.A. Law" on television where Artie's secretary filed a Chapter 13 bankruptcy, and in that scene the actor playing the Chapter 13 bankruptcy trustee made a big show of cutting up her credit cards while he sneered at her and she cried. Before pontificating that she didn't need a car, because she could take the bus!
Mwah-haa-haaa!!
What really happens is much simpler and less dramatic, which is, I suppose, the reason it didn't show up on television. When you file a Chapter 7 (or 13), all your creditors are notified.
And credit card companies aren't dumb; when they find out that you filed a bankruptcy, they shut the credit spigot. It's pretty close to automatic.
If you had a card with a zero balance, so that specific credit card company wasn't a creditor in your case, you could try filing the Chapter 7 bankruptcy, then using that zero balance card as though nothing had happened.
And it might even work.
But probably not, because computers get smarter every day, and banks get fewer every day.
Here's a better solution: read "Bounce Back from Bankruptcy", available on Amazon (I don't get a kickback from the author or Amazon), and look at the nice lady's suggestions for reestablishing credit, credit cards, and then buying a house.
Buying the new house is optional, of course.
Now, would it be possible to reaffirm a credit card debt?
Sure, if you had an Arizona bankruptcy lawyer who was dumb enough to let you do that. The reason I filed for you was to get you out of your debt and out of trouble. I didn't sign on to say that reestablishing your unsecured debt was in your best interest (which it isn't) and not a hardship to your starving children (which it is).
So no reaffirmations on credit cards from me unless you have a remarkable story!
Especially because you can use a secured credit card on the other side of the bankruptcy just as though it were an unsecured credit card.
