How does Bankpruptcy affect my good accounts?

DO NOT FILE FOR BANKRUPTCY!!! The lawyer is telling you this because he wants your business ($$$). A bankruptcy will stay on your record up to 10 years, and th new bankruptcy laws do not just erase your debt like they used to. It may not include your good accounts, but credit card companies routinely check your credit reports to make sure you are in a good financial shape. A bank. would surely cause them to cancel their accounts. You first need to put a security freeze with the 3 reporting agencies so who ever opened these accounts can not keep doing it. I would then file a police report regarding the fraudulent charges and accounts. After you get a police report, sent it to the credit bureaus through certified or registered mail and dispute in writing all of the fraudulent accounts. It will take months, maybe longer to clear this up, but it is 1000000x better than a bankruptcy!