Cash advances from 5-6 months ago

[time2restart]

I've read a lot about the 70/90 rule. In the past 90 days, I've done minimal purchases on my CCs (mostly for food/gas).

However, a few months ago, I took out 2 different cash advances from 2 different CCs. One was for around $2-3k (I dont remember exactly but would have to look it up). Another was for around $1k.

Mind you, even to about 2 weeks ago (when I met with a BK lawyer), I was always making at least minimum payments on all my CCs. However, my lawyer said to stop paying my CCs now since I'll be filing Ch 7 soon.

So, what are the chances of a CC creditor coming after you for doing something past 90 days?

Thanks!

[HHM]

Did you tell the lawyer about the cash advances?

You should at least make 3 minimum payments. You should be fine, the amounts are not going to be worth the creditor's effort, but you at least need to get outside of the 70 days and should make 3 months worth of minimum payments to minimize the risk of objection.

[fltoo]

The chance is there no matter how large or small. I would recommend waiting out the 70/90 to minimize the risk.