When contemplating filing bankruptcy, sometime individuals will max out their credit cards right before filing. This is a mistake, and could jeopardize your entire case.
Some debts in bankruptcy are non-dischargeable, meaning you will still be responsible to repay your debts even after your bankruptcy case is over. This includes luxury items charged to your credit cards within 90 days of filing. Someone may think, max out the cards and wait 90 days and then file. This too will not work.
Any debt that you ever incurred without the intent to repay is also non-dischargeable.
By maxing out your cards you may risk the discharge not only on the maxed out cards but all your debt.
If you are thinking about filing bankruptcy stop using credits and talk to a lawyer.