cash advances /convenience checks????

[whirlwind123]

Okay., I am trying to see if I got this right., I looked up Ohio law., but who knows if I fully understand so, I want your opinion.

I wrote convenience checks 6 months and longer from on CC to another to get a lower interest rate.

* From what I read, it should not be questioned if done within 90 days of filing?

I transferred money directly from my cc over the phone to moms checking account for her to purchase a camper/trailer as I owed her more than that.

* From what I read and transfers over 1 year will not be questioned.

Anyone else from ohio know anything about this or have any advice?

[keepmine]

After 90 days, the creditor loses the presumption of abuse.
It does not mean they can't object to charges made later than 90 days but, there battle will be a lot tougher.
You're looking for an absolute answer and while, the odds are in your favor, it doesn't mean a creditor can't object.
A big part of the puzzle will be, did you at least make minimum payments on the transactions in question?

[whirlwind123]

Yes,
I paid all minimum payments till the end of August.

[HHM]

The creditor needs to prove, circumstantially, that you intended to defraud.

There really is no cap on the look back, but as a practical matter, as was already mentioned, 1 year tends to be the max.

How much are we talking about?