Real life lookback>?

[Spagal]

I all reality is the lookback period at the most 6 months>?

My atty said 90 days. I have a no cash advances and maybe one large purchase $500 during the last 90 days.

But 6 months ago I paid for a vacation that was $4k (and made large payments to pay it off since I paid for a group of 4 and was reimbursed for it). Eek. Now I am nervous.

I am not planning on filing for at least 90 days from now so that the one larger purchase will fall out of the 90 days window.

I am in Mass. Can anyone share with me your real life exp? Did the ttee request additional statements, any creditors object and what happened.

Again, I am a nervous nelly and my atty is cool as a cucomber

[DeadManCrawling]

It should be no problem.

Even if it is viewed as preferential, it will not impact you, at this point. The trustee would seize the money from the creditor you paid, for the vacations, and disburse evenly among all creditors. No impact on you at all.

The only possible concern would be if the creditor, a vacation store, or cruise store, is a friend or associated with you personally or through business. That could get uncomfortable.

I don't THINK they could demand payment from the other members of your trip. Would ask an attorney this one, if you are worried.

Really, the trustee CAN avoid purchases for years back if they want. In practice, they usually do not, unless it is something terribly egregious AND the creditor files an AP. Very rare.

I suspect you have nothing to worry about, since this is going to be, at filing, 8-9 months in the past.

[Spagal]

It was paid through Paypal in mid July. Other than payments outweigh the charges on that card