lmao @ dumb as cheese.
But yeah, you're pretty much asking a question without having all the info needed. What's her interest rate? Will the purchase fall under that credit card's promotional rate or shit like that.
Also, bankruptcy is different in every state. I never really looked into it, but I think it lowers most of your debt & helps protect certain assets. Don't quote me but that seems to be the general idea of bankruptcy, in my head.
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