I have a few credit cards that I don't owe anything on. Will I be able to keep them after I file bankruptcy?

At first glance, it might seem that the answer would be "Yes" because you don't need to include those "zero balance" credit accounts in your bankruptcy filing. Schedule F is where you list credit card accounts on which you owe money. Since you don't owe money on those accounts, there is no need to list them.

However, and it's a big "however", credit card companies subscribe to services that notify them of all bankruptcy filings. The credit card companies routinely close all accounts of their customers who appear on those lists of bankruptcy filings. So the answer to the question is that it's very unlikely that you'll be able to keep those zero-balance credit cards after filing bankruptcy.

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