Hi All,

I've been scouring the forum's posts for a while now and had formed an understanding that zero-balance credit cards are very likely to be closed by creditors once a person files bankruptcy.

But when I talked with a lawyer a few weeks ago, he mentioned something...

My good friend paid his attorney's cost a few months ago to do a Chapter 7 (I am doing a Chapter 13).

He has been foolish and been using one of his credit cards (and paying it) and getting payday loans (and paying them) in order to eat and survive. He has had to do this due to a wage...