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Should I Stop Paying on my Cards

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    Should I Stop Paying on my Cards

    We are planning on filing, not exactly sure when but I was wondering when a good time to stop paying the cards in relation to the time of filing. We just don't have the money anymore to even make the min payment.

    Thanks

    #2
    Stop paying debt you wish to discharge the moment you decide to file for bk. When you actually file isn't important. You're just throwing money down a rathole.

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      #3
      I stopped in Feb, filing in July. So ya, stop it right away. That's what my attorney recommended.
      12/31/08: Filed for ch 13. (FICO: 605 as of 1/5/09, 648 as of July 2010). 02/11/09: 341 mtg. Plan confirmed for $200 per month for 36 months... (20 down 16 left)

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        #4
        I stopped paying in February, and filed today.

        I think you should stop now, because you aren't able to even make min now. You need to use that money for your basic needs.

        Good luck!!

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          #5
          If you are 100% sure that you are filing BK then you can stop now. S
          May 31st, 2007: Petition Filed by my lawyer
          July 2nd, 2007: 341 Meeting Held
          September 4th, 2007: Discharged and Closed.

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            #6
            Thank you so much for the replies. I have stopped paying on the cards.

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              #7
              Originally posted by mommyto3+1 View Post
              Thank you so much for the replies. I have stopped paying on the cards.
              I have too. Just make sure to cancel any auto debits you had for bills. I forgot about a couple and they overdrew my account.
              Filed 11/14/13 ____FICO 515
              341 12/23/13 ____FICO 545
              Discharged 03/03/2014

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                #8
                I am so sorry that happened. I have all but two deleted so I will make sure to finish.

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