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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.
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.
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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