Bankruptcy is supposed to cover debts that you intended to pay back but can’t. A surge of activity prior to filing will indicate that you never intended to pay back this one. One thing a judge might do is not include it in the bankruptcy. There is another option: trying to game the bankruptcy system is called fraud and it’s a crime.

what country are you in. if you need more information about bankruptcy they should have a toll free phone line to contact them on. I have just file bankruptcy but my situation is a bit different. It was going to take me 5-7 years to knock of all my debts so I had to make a choice to keep paying them off and still have bad credit, because they were all with a debt collection agency, you stay in bad credit for 5 years from when you have paid it off or stop paying them and file bankruptcy which would wipe them all of, and have bad credit for less time then paying them off. over filing bankruptcy I can’t work for myself for three years because thats how long you stay in bankruptcy here in New Zealand or for any of my family, I can’t borrow or hire purchase anything over $1000 unless I tell them I’m in bankrupt. You have bad credit for at least 5 years and once you are declare from bankruptcy, who ever you had debts with can’t get chase you for money you owe them.

That may not be allowed to be included in bankruptcy if you do it within a certain time of filing, because it could be considered fraud. You didn’t think it would be that easy did you? You should consult with a bankruptcy attorney before making any foolish moves you may regret.

Pay your bills. I hope they throw you in jail for intentionallly running up a credit card then filing chapter 13, you’re a low life.

Usually there is suppose to be no new actively on any account for 90 days before you file. I woudn’t chance it.

You should probably talk to a bankruptcy lawyer before you do that so you don’t screw yourself over.