Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Can u give me legal advice on this? - I had 20 thousand dollars in credit card bills last week and i needed money so i paid my credit card offf with my bank account even though i didnt have the money.Well the bank let it go through so now i have an availabe credit card balance on 20k so i withdrew the money.is this illegal and can i still file for bankruptcy.