I used to work for a major credit card issuer and you'd be surprised what people do before they file. A semi-famous network news lady went out and spent thousands and Victoria Secret and a Georgio Armani boutique and then filed bankruptcy the next day. Whenever we'd come across a famous person's account we would scan their purchases and payment behavior.
That was and is bankruptcy fraud, which the previous law covered. Thos items would have to be returned or would be considered nondischargable.