Purchases made five months ago

[freefall]

I can't help but worry that after our 341 one of our creditors either BofA or Discover will challenge purchases we made about five months ago. There were a lot of little purchases, you know? Probably a couple of thousand dollars overall, for about a month after I lost my job. We never made a purchase on either card after we figured we'd have to file bankruptcy. But we filed today, and it's only been about five months since we last purchased anything on either card.

Of course, there were no luxury items purchased and no cash advances.

If they contested those purchases, we couldn't fight it, and we really probably couldn't afford to pay it off.

I know no one can say with any certainty whether or not a credit card is likely to challenge. But in your opinion, do you think they will? Do they usually? It's seems like they would want to get out of us anything they could.

[HakunaMatata]

In my case, I had one card I used for living expenses (prior to BK, I wasn't a cash-carrying chica) and paid it off monthly (monthly charges were typically $800-1,000). When BK became a possibility, I began paying slightly over the minimum requirement. I ceased credit card use 60 days prior to filing. I, too, was concerned. Not only were my charges not the recommended 90 day aged, my payment history altered dramatically while my purchases remained consistent. My attorney wasn't remotely concerned (especially since I didn't have any luxury purchases). I had my 341 this week and I haven't heard anything from creditors. If they want the goods returned, I suppose I can siphon the gas out of my car!

You haven't made luxury purchases and you haven't used your cards in five months...I don't think you have cause for concern.

[Amy26]

I made charges on some of my cards up till a few weeks before I filed and they were not challenged. Just small stuff.... groceries, gas, clothes...etc... I even had 2 balance transfers with Discover for 4,000 and 6,000 3 months before I filed... not a peep. I think you'll be ok.