FILING DATE & Credit Report issues

[Goldfish]

[keepmine]

Stop worrying about a credit score and worry about supporting yourself.
Don't file until, you have a job with health insurance benefits. You have to support yourself post bk. You want to leave bk better off than when you filed.
You also don't want to file and 6 months from now have a serious illiness and massive medical debt and you already played the bk card.

[justbroke]

I agree with keepmine. The one thing Bankruptcy and Insolvent individuals need to do... is stop worrying about your credit and your credit score. While people with good payment histories before filing tend to bounce back quicker, the fact that you filed Bankruptcy alone will cause you some issues with finding credit. How this impacts your individual credit picture has too many variables to even think about (not excluding the actual creditor offering to extend credit).

The fact is, the day you file, your credit score will go down 100-200 points (depending on how high it was to start with).

[Goldfish]

bank account issues, etc.

Thank you both greatly for your replies!

I already have life-time health insurance, so I'm not worried about that. [I'm officially retired from university.]

I do not foresee any need for hospitalization.

I start a temporary job with US Census tomorrow. I can't go over certain earnings to be eligible to file. So, I really don't know how to look for work while putting off filing.

I'm going to the bank now; to open yet another checking account. [I closed BofA, opened Wells Fargo, but read Wells Fargo might freeze it upon news of BK. I'm going now to open an acc't with Union Bank of CA. They offer secured credit cards (with reporting to credit bureau); and they so far advise me to open the secured card prior to BK.
I know that you guys have written to me on this before; whether a secured card ($300) will be automatically closed upon BK. (can't find the replies) I'm thinking of opening it just to start the 'fix credit' picture. I've queried Union Bank on this; I'll ask them again once I get there.
I

I'm really trying to think of anything imaginable for which it would be smart to delay. It's impossible to think of eviction.

I need to write to ask about some other questions.
-- I've borrowed money from a friend. Though I shall repay him, do I need to list him as a liability? [I'm concerned about any question a trustee might ask, e.g. where did you get the money to live?]

-- Regarding, who to list as creditors. I have credit reports. I have nothing listed in collections... Yet, I wonder if e.g. I have some outstanding minor medical bill. I guess all one can do is try to call where I've had e.g. ER visit. [I know I owe UCLA Dental school $300, but they never put it to collections; it's probably over 4 years; and I might need to use them again. So, I'm thinking to just not list them.]

Thanks. Is there anything I need to think about which I am not? goldfish

I'm trying to keep calm and carry on; but I really am a bit panic-ed..