Do I need to file bankruptcy if outstanding accounts show zero balance?

I was going to file bankruptcy. However, when I recently pulled up my Experian report, I found most of the accounts with a zero balance. This probably means that the accounts have been charged off. Does this mean I don't need to file bankruptcy anymore?
2 Answers

Ask Question

Waterfall approach to debt free ™

Legal debt relief methodology that works based on your financial conditions.Learn more »

  • expertise badge
  • This site is verified as a Trusted Site by Best of the Web
  • TrustLink logoTrustLink logo
  • Customer ratings on BBB
  • IAPDA logo
  • Calchamber Member
  • Calbar Registered
  • D&B
  • Godaddy
  • yelp logo