Hi everyone, I need some advice. I have been thinking about filing ch. 7 for a couple months now. The problem is , I have used my credit cards all the way up until the middle of september. No single big purchases but I have put thousands on the cards, just from having nothing left from my paycheck after paying bills. Also, i racked up $5500 on a WAMU card in just 5 months, from May-Sept, and it had no previous balance. If I file, I want to ASAP to just get this nightmare over with, and to avoid collection phone calls starting. I am just so worried that I would get objections and possibly dismissed. I have about $32,000 in unsecured debt. The 2 lawyers I have gone to see so far were not much help, and didnt really give me an answer when I asked if I should wait. Has anyone had a similar situation or have any thoughts? Thanks so much!
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You are going to have to wait at least 90 days otherwise the debt you incurred over the past few months will not be able to be discharged. -
I got a new CC and had my car fixed and paid some hospital bills with it. I waited 3 months 90 day before I filed. Getting the calls is just part of it.
Look for an attorney that only handles BKs
I had some very high CCs and loans the amount was never questioned.Chapter 7 07/30/2008
341 09/17/2008
Discharge 11/21/2008Comment
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