Of my 15-20 or so accounts, I took balance transfers (each under $1000) on 2 cards at the end of May (used the low interest rate balance transfer offers the bank sent me) to pay another card that had a higher interest rate).
I made only one minimum payment on these 2 cards, a few days after taking the balance transfers, in the beginning of June.
It was the next month when payments became due that I realized I was not going to be able to make all my payments and should file, so I made no further payments (no payments since those last ones at the beginning of June).
So, the question is, would it help my case to make one more payment now on these 2 accounts? It would only be the July payments of $45 and $55 respectively on each of these cards, not the hundreds of dollar payments I now owe, with raised interest, late fees and overlimit fees. (I did not put them over the limit, they did with their fees.)
So if I were to make the 2 July payments, now, in August, would it look better than if I don't make them?
(I plan to file in September if I can get the money together by then.)
I made only one minimum payment on these 2 cards, a few days after taking the balance transfers, in the beginning of June.
It was the next month when payments became due that I realized I was not going to be able to make all my payments and should file, so I made no further payments (no payments since those last ones at the beginning of June).
So, the question is, would it help my case to make one more payment now on these 2 accounts? It would only be the July payments of $45 and $55 respectively on each of these cards, not the hundreds of dollar payments I now owe, with raised interest, late fees and overlimit fees. (I did not put them over the limit, they did with their fees.)
So if I were to make the 2 July payments, now, in August, would it look better than if I don't make them?
(I plan to file in September if I can get the money together by then.)
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