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foreign [Music] cards before filing bankruptcy Im Jonathan Ginsburg in Atlanta area personal bankruptcy attorney representing clients in chapter 7 and chapter 13. and the question is should you cancel your credit cards before filing bankruptcy the answer is I dont think it really matters a whole heck of a lot because the if you cancel the card and theres a balance the balance remains due if you have cards with zero balance I would probably tell you not to cancel it you would not list zero balance credit cards on your bankruptcy because theres no debt theyre not accreditor since you have zero balance and if anything in chapter 7 which is the liquidation kind of bankruptcy if you have a zero balance card you wouldnt list it you would keep that card and many times you can start using that card again to rebuild your credit not every creditor will do that some like American Express basically say if you file bankruptcy even if you didnt bankrupt on us were going to cancel your card b