That being the case, typically, what would the status be regarding these type of accounts (ones with no balance and thus not reported on the Schedule)?
Would they likely remain open?
Response 1: They would be closed by the issuers once the bankruptcy shows up on your credit report.
Response 2: No. Once the bankruptcy case is filed and it shows up on your credit report, most of your open accounts would be closed by the card issuers. You are now regarded as a high credit risk and the issuers would promptly close the accounts. Your credit reports are routinely reviewed by each card issuer to ensure that you are still a good credit risk. If no longer a good credit risk the issuer would take appropriate action. In case of knowledge of bankruptcy case filing, the open accounts would be closed.
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