I have a question about making credit card payments before bankruptcy. I am currently unemployed. I am meeting with my attorney this week because I would like to file chapter 7 because I am unable to make my credit card payments. My total cc debt is $20,000 and I don't see myself being able to dig my way out honestly with my $45,000 student loan debt that I know can't be discharged. My debt management payment is due to all my credit cards this week. Should I make the regular $500 payment? Is there anything that could prevent me from filing if my income for the past three years has been under 10,000 each year? Any advice is appreciated.
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