The way it works now with credit cards is as following;

You can no longer just have your credit cards discharged in bankruptcy with a chapter 7, now it is more like a chapter 13, you will have to pay part of your credit cards over time based on your INCOME.

If you have no income at all, then you stand a chance of getting them fully discharged. It is now done by a case by case decision

To educate yourself on how bankruptcy, collections and charge offs work click on this link and you fill find tons of info on it.

I hope it all works out for you. Keep us informed

http://ficoforums.myfico.com/fico/bo....id=bankruptcy