You probably won't be able to get credit for the next seven years.
Yes.
check Federal Bankruptcy act 801.3
Yes.
Thier actions, or lack, do not effect your ability to file for bankruptcy.
The bankruptcy will appear on their credit if you include this card in your bankruptcy. If you leave the card off the bankruptcy, it will not effect their credit.
Yes
If you have credit accounts in good standing then do not include them in your bankruptcy.
You do not have to necessarily get credit counseling before you can file for bankruptcy.
You file bankruptcy on all debts you owe. If you only owe money on credit cards you can file on them. Otherwise, if you owe money to a doctor, hospital, bank or other place you have to list them.
First off once you file bankruptcy you cannot do it again for 7 years. Bankruptcy stays on your credit report for 10 years. Rather to try to describe what the different types of bankruptcy will do to your credit click the link for more information.
That depends on, what's on your credit bureau file. The score will look at the age of your credit cards, balances and payment history
Neither. Both of your stated options are bad.