it's due to 2 homes and not because of credit card bills. im going through foreclosures and homes were bought by my sister, using my name. please don't make quick assumption when ppl going through bankruptcy situation aren't always shopaholics.

Some credit cards relish the opportunity to sink their teeth into you again. Others will cancel you outright.

I found interesting information about your answer & options here. (this article: Personal Bankruptcy, the myths and facts
http://all-debt-consolidation-loan.blogspot.com/2007/08/personal-bankruptcy.html
Good luck!