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Using credit card for necessities prior to filing

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    #1

    Using credit card for necessities prior to filing

    I hear everything from 60 days to 6 months that I shouldn't use credit cards before filing. Was planning to file in Sept. Please help with the following from the BK court's perspective:

    True or False: My water heater is leaking; I have no cash; I don't have much of a choice on charging the water heater to a credit card.

    True or False: I have no vacuum cleaner. And still no cash. I see no way around charging a new vacuum cleaner on a credit card.

    I am gritting my teeth over a potential future inquisition about these kinds of purchases.

    Thank you for any insights.
    Tags: None
    #2
    A hot water heater is not a luxury purchase-I see no problem there.
    Nobody is really going to care about a few hundred dollars for a vaccum.

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      #3
      Thanks keepmine.

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        #4
        We have purchased several vacuum cleaners at Goodwill. We have also picked many up along the road on garbage day. I am handy with repairing things so that may make a difference.

        I once made a hot water heater out of a 40 gallon galvanized tank. A fitting in the 1/4 section for a 5500 watt element, cold into bottom, 3/4 fitting with temp/pressure relief valve, and hot out of top. A 220 volt double throw switch with a light bulb to time it. It worked fine and we still use it in our little cottage. Don't forget to time it and turn if off.

        But I agree with those above. Keep the amounts low however and don't look like you could be abusing the system. 'Hub
        If I knew it all, would I be here?? Hang in there = Retained attorney 8-06, Filed 12-28-07, Discharge 8-13-08, Finally CLOSED 11-3-09, 3-31-10 AP Dismissed, Informed by incompetent lawyer of CLOSED status, October 14, 2010.

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          #5
          'Hub - you're freakin' me out with your skilz. This may sound a little princessy but I am *not* picking up a vacuum cleaner along the road on garbage day nor am I manufacturing my own water heater. One of us is handy and it ain't me. Thanks everyone for your input so far!

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            #6
            You can use your card for emergiencies necessities only the lawyer told us a bag of groceries, gallon of gas. My kids were in the er and my dog at vet and we had our car break down you should be fine we filed in July and our heraing is aug they said emergiencies necessities only

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