How long should you stop paying on bills

[mintz]

I am curious how long you should stop paying on your secured, unsecured payments before filing bk. I am not sure if we will file yet or not but if we do it would be in May, June, July time frame.

We had to charge quite a bit in the month of November and December on our credit cards........

[AngelinaCatHub]

If you have made your mind up to file, anytime is right. You use that money for your lawyer and household needs. Don’t buy big items or a fancy vacation. If you stop now, you can depend on about three months before they sue you. By then your automatic stay will stop the suit. ‘Hub

[mintz]

Thanks. ,y intent is to continue to pay as long as I can without losing my home. Just this weekend my vehicle broke down and i had to charge $1200 in repairs and I need tires but afraid to charge anymore?

[Stilltheone]

When we filed, we weren't late on a single thing. We had a paycut, knew the end was near, so decided to just "file and get it over with".

Good luck to you!