recent transfers, purchases????

[feemama]

If I have recent balance transfers or purchases to the cards I will be including in my ch 13 totaling under $500 will they have a problem with that?

[lrprn]

Frankly, less than $500 total in balance transfers and charges already made within 90 days of filing is not going to return enough $$ if the creditors challenge the transfers and charges as non-dischargeable. Ask your lawyer to be certain, but 99.99% of the time, the creditors are going to let this amount pass.

This does not mean that it's ok to now make new transfers and charges under $500 before filing hoping to get away with it. That fits the definition of bk fraud - borrowing the money already knowing you are going to file with no intent to pay it back.

[ready2puke]

I just used my Macys charge to get the 20% of a couple of tops..But....I paid if off before I left the counter...that way I still have a 0 bal on my cc....I know its a grey area...but I needed the clothes for work and I needed the discount..lol

[relief13035]

I just used my Macys charge to get the 20% of a couple of tops..But....I paid if off before I left the counter...that way I still have a 0 bal on my cc....I know its a grey area...but I needed the clothes for work and I needed the discount..lol

You are my kind of shopper!

[EricaCallaha]

That can still be explained and probably fly under the radar. Because you paid it right away.

My kind of shopper too!!