Here's my story: I had stopped paying on a few cards a year ago, original intent was to settle with them. Kept a couple cards open, and used them some - kept paying on those of course.
In December, I charged over $1000 on a card (which I had been current on) and then everything else fell apart. I made my last payment in January to that card. I now am preparing for a Chapter 7.
Reading some of the information here, could this be considered fraud, since I made a large purchase then stopped paying the next month? That purchase was outside the 90-day window, but would the CC attempt to fight it as fraud?
If so, would it help to wait another month or two to file?
In December, I charged over $1000 on a card (which I had been current on) and then everything else fell apart. I made my last payment in January to that card. I now am preparing for a Chapter 7.
Reading some of the information here, could this be considered fraud, since I made a large purchase then stopped paying the next month? That purchase was outside the 90-day window, but would the CC attempt to fight it as fraud?
If so, would it help to wait another month or two to file?
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