A friend of mine is bankrupt his work closed and he is left with a big pile of bills but he also had a large amount of money that was given to him when his parents died. Did you know there are secured credit cards that will carry a balance of a $100,000 sure there are monthly fee's that take care of the account. So when credit report was pulled it simply says a credit card with an open balance of a $100,000. Brilliant All of his debt was discharged and he is now starting over. Now that is blackhat.