How long do i wait to file ??

[cantwin12345]

Hi all my cards are maxed out i used a total of 4 of them this month home depot ,lowes, macys, and dell, the rest of the cards have not been used in 3 months none of the cards at this time are in collections acouple of the card mentioned above i had made large purchases, should i keep paying those for a few months to show intent?

thanks for your help

[Mark80]

You need to wait at least 90 days before filing, more the better.

[bkfdrusa]

Make minimum payments for at least 3 to 6 months and then file.

[cantwin12345]

thanks i love this forum makes the day go a little easier

[tinfoilhat]

thanks i love this forum makes the day go a little easier

Why, you got answers, but were they correct?

I don't think so.

[cupcake]

No offense or anything, but you're posting on this forum because you know you're looking straight in the face at a bankruptcy. That being said, why did you just max out your credit cards at Macy's and Dell (among others)? I picked those two because there's nothing you could possible be in emergent dire straights for at either of those stores.

[cantwin12345]

when i purchased using the two cards mentioned i was going to pay them off in full with the accounts receivables owed to me,however that didnt happen so iam waiting fort he money if it ever arives

[tinfoilhat]

when i purchased using the two cards mentioned i was going to pay them off in full with the accounts receivables owed to me,however that didnt happen so iam waiting fort he money if it ever arives

You just made that up right?
Why not include that very important piece of information in the first post?
Because it's BS?

[cantwin12345]

i wish it was bs, but its not i posted hear to see what happens down the road if my customers dont pay iam screwed ,i luv you people who think you know it all!

[cupcake]

i wish it was bs, but its not i posted hear to see what happens down the road if my customers dont pay iam screwed ,i luv you people who think you know it all!

But again, if you're that close to being bankrupt, why are you maxing out CCs at department stores on frivolous purchases? If you know the potential exists because of only one month (or however long) of lost receivables, you're either looking to commit fraud or you have some kind of shopping addiction.

All I am saying is that you're not going to get advice from anyone on this board if you are looking for ways commit fraud. There is a lot of help and assistance to be had here but not if you're contemplating something illegal.

I've said my peace.