Credit card recent charges and abusive behavior

[Billssuck]

I've been reading many of the post on here to try to get clues on what I should/shouldn't do with regards to filing BK. Anyway, we saw and retained an attorney on 3/26. We were advised to wait until our 18 year old was home for the summer from college (on May 21) to file because it would make our family size bigger and make us under the median income thus only paying in the plan for 3 years vs 5 years.

My question is this: We have lived off of credit cards for daily activities for many MANY years. We last used our credit cards the day of meeting with the lawyer on 3/26. After that, nothing. We plan to file on 5/21 and the 341 Hearing is usually 20-40 days after that. This will put our use of credit cards right at about 90 days prior. Is that okay? Is that considered abuse?

This forum has been wonderful and really very therapeutic for me. I don't feel alone any longer....

[tkharvey]

You are far alone.....trust me. It's the one thing that's comforting to us, too. Sounds like the timeline should be fine from using your credit cards from what my attorney told me. We are getting ready to file as well and said two to three months is ideal to go without using before you file. Good Luck!

[chloe0724]

The 90 day timeframe is mostly for large purchases that could be considered abusive. Things like taking a vacation, buying a TV, ect. If you used the cards for daily living, you will be ok.

[Billssuck]

Thanks for the replies

Thanks for your answers. We met with our lawyer and shortly thereafter we retained him. Some of the specific questions like this were never asked or talked about. I have emailed him a few times and he and/or his paralegal do get back to me but I thought some one on this forum might know the answer.

Whew...I feel better now!