I’mJoseph McDaniel and I am a Board Certified Arizona Bankruptcy Attorney. My firm is a debt relief agency and I help both people and businesses file bankruptcies. If you’re interested in filing a bankruptcy in Arizona or have questions, please call our firm at 602-297-3025 or visit my website at www.josephmcdaniel.com and my free Bankruptcy blog at www.arizonabankruptcyblog.info Well, no. Yeah. Sort of. There was a scene in “LA 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 …

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