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Law Educator, Esq.
Law Educator, Esq., Attorney
Category: Legal
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Experience:  JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law
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paul, I sometimes cant help but wonder what you must think

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paul, I sometimes cant help but wonder what you must think of me. If I declare bankruptcy, will I still be able to use the two cards I have zero balances on
Thank you for your new question. I enjoy you as a customer because you come with very short and to the point questions and not a convoluted story without even knowing what questions you are asking.

If you file for bankruptcy, the bankruptcy trustee would require surrender of all cards, even those with zero balances and even if they did not do so, as soon as the bankruptcy showed on your credit report those credit cards would cancel I am afraid.



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Customer: replied 3 years ago.

Paul Iam actually holdng my financial ground pretty well, my credit rating is 1 point away from being good. None the less, if I would declare bankrupcy and my wife and I names appear on the same card billing, how would that effect her?

Thank you for your response.

A disadvantage would be that debts where spouses are joint and severally liable for payment will remain with the spouse who has not filed for bankruptcy. However, the filing of bankruptcy by one spouse will not affect the other spouse’s financial situation, including credit rating.
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