Help! Please? Can't pay Minimum anymore! Need Advise!

[ChaseBites]

2manybills - My Min payments for the Airline CC's are : $181 & $96 respectively.

[2manybills]

2manybills - My Min payments for the Airline CC's are : $181 & $96 respectively.

Nothing to worry about. They are looking for payments in excess of $600. I did a BT on my Discover Card in December,2008 (from one bank to another) and I paid them right up to the month that we filed. We didn't hear a word. So I had 6 months of payments in there.

I didn't see an answer to my earlier question, were these for business travel or personal travel?

[ChaseBites]

2manybills - The Min Payments on the airline ticket CC's are: $181 & $96 per month

[ChaseBites]

Personal, not business.

[2manybills]

Personal, not business.

I still think you will be okay by the time you file.

[OhioFiler]

Make a "minimum payment" not THE minimum. Send them $30 for a couple months.

[ChaseBites]

Thank you all for your help!

[ChaseBites]

Looks like I did take a few cash advances from several different cards. How long should I wait before stopping payments on those?

[aljohnson007]

My recommendation is put the cards away and don't make any more payments except I would send a $20 payment on the airline tickets for a few more months. Let all calls go to an answering machine and do not talk with any collector. If you receive a written demand, deny the bill and request vallidation of each charge. Just buy as much time as needed. And last, save your money for attorney fees and filing. Best wishes.

[covinian]

I'm curious about this situation. I had a purchase on one of my credit cards of $1k in June and one in July of $500. This was not for a luxury item, but to help one of my kids in a legal issue. I made my June payment and my July payment, but stopped paying in August. I honestly had no intention of filing for BK even then. It was in August that I finally admitted to myself that I couldn't rob Peter to pay Paul any longer and contacted an atty in September.
Are these two purchases going to be a problem if I file in December/January?

Thanks!

[ChaseBites]

Covinian - Did anyone reply to you with suggestions yet?

[covinian]

nope. I figure i'm just going to take my chances. I stopped paying the cc in August and when they called gave them my atty name/number. I think it would seem strange now to start making payments on it again. I don't know. I am very stressed about all of this and keep thinking of different situations that could happen.

[ace13]

I'm new to the forumand I have similar concerns as covinian. I'm going to post a new thread titled 90/70 - questionable charges. Maybe those experienced can respond to us in there. Thanks in advance and good luck all!!!