I want to use my credit car again after an Arizona Bankruptcy?
Reaffirming credit card debt is almost NEVER a good idea, even the credit cards from a department store (like Best Buy which might give Best Buy a security interest in the purchased merchandise.) Creditors will offer reaffirmation agreements which will allow you to use the card after bankruptcy, however the credit limit will be low and you will have to sign a new contract agreeing to pay back the debt. Even though these offers seem attractive, they are most often a bad deal because a fee will be added to the total debt amount for the privilege of being able to keep the credit card. Reaffirming the debt also contradicts the bankruptcy which will allow you to break the original contract and receive a discharge for those debts. When you sign a reaffirmation agreement after filing bankruptcy if you are unable to make the payments then the credit card company is allowed to sue you and attempt to collect the debt, which is exactly what the Arizona bankruptcy filing was designed to prevent.