You have as long as you want...you never have to do it. It is your option. Filing means that the court provides you protection from creditors...so they must stop collection efforts...already filed suits and such will be handled as part of the BK process.
When in bankruptcy it is not possible to have a credit card. Once the terms of the bankruptcy have been met, some credit card companies will consider issuing a credit card to some people.
help paying credit cards
yep
Paying down your credit cards won't lower your scores-- but paying off and closing the credit cards will lower the scores. You want to show that your cards are not maxed out and you have plenty of room between the credit limit and the balance .
You can declare bankruptcy due to credit card debts, yes.
Paying off all credit cards each month Paying off all credit cards each month
no
Yes, it is still possible to get a credit card after bankruptcy. "Secure" credit cards require you to place a security deposit down in the event of default, but they are a good way of rebuilding your credit.
Paying off all credit cards each month Paying off all credit cards each month
Sometimes credit card charges are not included in bankruptcy. If they are then you will no longer be able to use them.
check Federal Bankruptcy act 801.3
Yes.