Radio Shack, Payless Shoes, rue21, BCBG Max Azria, and dozens of other retailers are going bankrupt. And struggling chains that haven't already gone under, such as J.C. Penney, Kmart, Sears, The Children's Place, Abercrombie & Fitch, and Chico's, are closing dozens of stores. What does that mean for you? Well, for starters, if you've got a gift card or any credit at these stores, use it ASAP—or you might be out of luck. Also, be on the lookout for big clearance sales at these retailers' websites. Radio Shack, for example, has some great deals right now!