Creditors coming for small purchases...

[Panacea]

I will be filing this week. My lawyer has told me not to worry about the charges on my cards July and Aug since not a single charge that is over 600. But one card has misc charges over July and Aug which add up to over 800 in misc charges (highest individual charge being 189.00). The other is just under 200 within the 90 days.

Would these creditors come at me for the 800, or the 200? I actually paid them the minimum in Sep because I couldn't understand the fact of not paying at that time, while not paying my mortgage and having the money to pay.

I know its not much in the scheme of things, but I'm just worried about everything.

[drowning123]

I took out a payday loan for $300 one month before I filed and my 341 was very successful. So far, no one has come after me. You should be OK, since none of those charges are over $600. I hope that helps to reduce your stress.

[Panacea]

Thanks, it does!!! Just needed to say it again for some reason after meeting with my lawyer this morning. My lawyer has no worries. He actually said I worry him because I'm so worried and asked if I was possibly not telling him everything! NO! I just worry, thats my job. When things are bad, I look for worse case scenario, instead of thinking things will be okay. I mean MY GOD MAN! When I was pregnant, I read that sometimes babies are born with teeth, then they can fall out and could be a choking risk....You know that was an immediate question for my Dr!!! He told me to STOP reading...............My lawyer told me to STOP reading. Quite a pattern I have with these types!

I'm a pretty normal chick when life is normal....but when things are challenging...I'm a freak!