Aftermath of filing Chapter 7 Bankruptcy

What is the name of your state? CA

I have two questions. I am filing a Chapter 7 at the end of this month, will I still be able to receive future tax refunds at the begining of each year? I have one credit card that is at a zero balance currently and was also at a zero balance when I filed, how soon can I charge on this card again? (After I filed? or After the court date?)

[Ladynred]

You're discharging debts and you're worried about how soon you can use a charge card again ??? That's scary....

The only tax refund a Trustee MAY be interested in is next year's and if its not large, you may be able to keep it anyway. Subsequent years are yours to keep.

Even if you have Zero balance on that card, there is NO guarantee that your creditor will keep that account open. Many creditors who see a bankruptcy on your credit report will automatically close your account with them - even if they weren't included and if it was in good standing before you filed. So.. I wouldn't count on being able to use that card at all.

From what I've read (2 different books and COUNTLESS posts here) you can't start to rebuild your credit until AFTER your debts have been discharged, which can take 3-4 months from the day you file your papers.