When did you stop paying your creditors?

[NotFun]

Just a simple poll here.

When did you stop paying your creditors?

[keepmine]

I stopped paying about 5 months before I filed.

[NotFun]

I stopped paying about 5 months before I filed.

ha-ha... so your off the chart...LOL

[Cassiopeia]

I'm off the chart too. I had a couple I hadn't paid in a year or more. There were a couple I paid VERY sporadically within a few months of filing. Most weren't paid in months.

[Misha707]

All of mine were current up to the date I filed, with the exception of the car that my ex kept. The last payment that I personally made on that one was in March, I left him in April, he never made another payment, and it got repossessed in July. I got the notice the day I filed that it had been repossessed the week before. He's in another state and I don't speak to him, so I didn't know until they sent me a letter.

I was actually glad that they had taken it because he'd also stopped paying the insurance, so it had been canceled, and he's got a bad habit of DUI. I feel safer with it out of his hands.

Anyway, I would have made the payments and kept it myself if I could have afforded it, but the $525/month payments were way out of my budget. I don't have any car at all now, because I can't afford all the expense that goes with one.

So I've got 90 days late on that one, and no lates on the the others.

[JRScott]

I didn't pay any of the creditors (Except Dell) for the 6 months prior to filing, and many had not been paid in as long as a year.

[guzzie]

stopped paying in may 2007 .....emergency filing on june 5, 2007 to stop a lawsuit...so approx 30 days...

[NotFun]

I didn't pay any of the creditors (Except Dell) for the 6 months prior to filing, and many had not been paid in as long as a year.

Did you have any car's on that? Or a house?

I'm just wondering when they would try and come take your cars, and house?

[Boscoe]

I stopped paying on an investment property about 5-6 months before filing. Everything else, including credit cards were paid up until 30 days prior.

I was more fortunate that many in that I had the excess cash to do this, and also I am an asset case (chapter 7). These relatively small minimums I was making each month were going to go back to the creditors anyway.

I am hopeful that having only one past due on the credit rather than 5 or 6 will allow me to rebuild the credit faster than if I had let everything go.

[NotFun]

I stopped paying on an investment property about 5-6 months before filing. Everything else, including credit cards were paid up until 30 days prior.

I was more fortunate that many in that I had the excess cash to do this, and also I am an asset case (chapter 7). These relatively small minimums I was making each month were going to go back to the creditors anyway.

I am hopeful that having only one past due on the credit rather than 5 or 6 will allow me to rebuild the credit faster than if I had let everything go.

See that's what I'm thinking will happen with me. I have low 700's right now, with not one late. I thinking to stop making payments 30 days before filing to build up some cash, and then hoping it will be a little easier to get that credit built back up.

[demismom]

My option wasn't listed. We quit paying when we retained our attorney, that was in February. They were waaaaaaaaaay behind and we didn't end up filing until 6/4, so a full 6 months!

[NotFun]

My option wasn't listed. We quit paying when we retained our attorney, that was in February. They were waaaaaaaaaay behind and we didn't end up filing until 6/4, so a full 6 months!

so another way off the charts person...

Did this include your mortgage and cars?

[dumbdumb]

stopped paying on one mortgage and other debts 4 mos before filing... paid the house i am living in up till the month i filed. this way i could live in it until they foreclosed and kicked me out. no rent and i could build up some saving$

but i was really annoyed with the nonstop phone calls from creditors.

[CindyLou]

mine was actually much greater than 60 days!

[PaKettle]

I put "60 days" but in reality it will probably be more like 120-150 days before I file. I had to wait 90 days after my last purchase, and now I have to save up almost $2k for the attorney and filing fees. So I stopped paying about 2 months ago but it might be another 2 months or more before I can file. However, my attorney said that as soon as I give him $500 (which may be this next week) I can refer creditors to him, which may help stop some of the calls.

Frankly I am surprised that the calls have not been that bad. We just put the answering machine on and turn down the volume when they call, then erase them! A few have called at work but luckily I've got co-workers who help me dodge them.