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momasboy1

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my mother is 30 k in debt with credit cards
no property in her name .how to file bankruptcy and build back credit

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Have her call a local bankruptcy attorney that gives free consultations and see what the attorney has to say.

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Forgot to mention, filing bankruptcy is not a credit repair tool.

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The debts are your mother's responsibility, not yours.  If her income is low, filing bankruptcy might be a bad idea since there are expensive legal fees for that.  It also hurts one's credit for at least 10 years.  She needs to stop using the cards and work on paying the debts off if she has any disposable income after meeting necessary living expenses.  Consulting with a bankruptcy attorney (usually initial consult is free) is a good idea since you might be given ideas to totally avoid bankruptcy. 

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