If I file Chapter 7 do I have to pay anything back and will I still be able to maintain my household ie..repairs. How does this effect my credit.

If you qualify for chapter 7 bankruptcy, you do not have to make any payments to the court trustee.  You are probably confusing this with either Chapter 13 or Chapter 11 where you must propose a repayment plan.   You can maintain your household to the extent you can afford to do so.  That has nothing to do with bankruptcy. Mark J. Markus, Attorney at LawCertified Bankruptcy Law Specialist--State Bar of CaliforniaHandling exclusively bankruptcy law cases in California since 1991.http://www.bklaw.com/bankruptcy blog: http://www.bklaw.com/bankruptcy-blog/Follow Me on Twitter:  @bklawr