How To Get A Credit Card After Bankruptcy

Question by stacey l: Can you file for bankruptcy with no credit card debt?
I have no credit cards but I do have debt. Can I still file for bankruptcy on what debt I do have in Texas?

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Question by mrs.jams: If two people are joint owners of a credit card& one files bankruptcy,can the other person file on the same?
I am a joint owner of a credit card,& the other owner has filed bankruptcy on that card which makes it all my responsibility to pay. Can I also file on the same card. Thank You for your time.

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Article by Jeffrey D. Larkin

Bankruptcy law requires that you list all creditors in a bankruptcy, including debts you want to repay. This means that any account that has a balance on it should be listed as a creditor in the case. If you have a zero balance on a credit card when you file, this account does not have to be listed since it is not a debt that is owed. From a practical standpoint, however, it is likely that the credit card provider will cancel your credit privileges once the bankruptcy is reported to your credit. Credit card companies routinely monitor credit reports and a bankruptcy filing will generally trigger cancellation of the credit account.

Debtors who want to keep a credit card after the bankruptcy may be able to reaffirm the debt, but this is not a course of action that I would recommend. Reaffirming a debt obligates you to repay it despite the bankruptcy, and essentially defeats the benefit of a discharge with respect to that debt. Moreover, most credit card providers who will entertain reaffirming a debt will require that you repay the full balance on the account before they will reactivate the card to allow post-petition charges. There are many ways to reestablish credit after a bankruptcy filing and those options should be explored post-discharge instead of weighing down your fresh start with debt that must be repaid.

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If there is any one experienced in this what are the pros and cons of bankruptcy…and or who should and can I talk to for legal advice. Should I go to a lawyer? I don’t know I’m confused and stressed out. I moved out on my own and tried to be independent and in the midst of my independence my 7–something credit score went down to a 5–something. My first credit card had a 7,000 credit limit on it and I used it all for bills, obligations, and basicaly just to live off of, during my unemployment. I know that was a dumb move so please no smart a%# answers just honest, respectful, and informed answers would be very much appreciated thank you in advice everyone.
Like I said before if your going to tell me to not ask this question on yahoo answers then please be so kind as to finish your suggestion by telling me where I could get advice from..Thanks again!
I’m also a full time college student working 2 full time sometimes one full time and one part jobs! is there no solution?!!?!!

I haven’t worked in about 2 years(stay at home mom), and my credit is shot. I owe less then 5,000, but haven’t paid anything for a long time. Just looking for advice on how to get rid of it, and save myself for my future.