using cc after talking to attorney

[luvu283]

what happens if you use credit cards after consulting a bankruptcy attorney but 90 days before filing your petition?

[keepmine]

Very likely nothing unless, you make some really outrageous charges.
In the unlikely event a creditor files an adeverserail proceeding objecting to the discharge of that particular debt, that will be a question you'll be asked.
The safe thing to do is put those cards away. Stop paying all debt you wish to discharge and use that money to pay the bills. If you still can't make ends meet, you have a problem bk can't fix.

[luvu283]

The safe thing to do is put those cards away. Stop paying all debt you wish to discharge and use that money to pay the bills. If you still can't make ends meet, you have a problem bk can't fix.

Thanks, i havent used them since january. i contacted attorney in 10/08 because i was put on disability for pregnancy reasons and out of work from then until january and had no way to pay bills, disability insurance had an exclusion for pregnancy related disability, so i didnt have any income. But i am back at work now and have no problems, it wouldnt have been a problem either if i didnt have the other 25000 in debt. So i am not using any longer, if i stop paying on that card wont it look fraudulent because i just used it in january? I dont plan to file until may

[keepmine]

I just saw the other thread you started where you layed out your situation.
Many of us have used credit cards in an effort to keep afloat due to job loss and health issues.
It's very rare that a creditor ever objects but, you'll have plenty of time between use and filing plus, the health issues brought on by the pregnacy. I don't see any difficulties.

[luvu283]

awesome , thanks for your reply , eases my mind !!!

[taramaxed]

Okay, I am so confused. I keep thinking I know all the rules and then they change. So just to clarify, is using credit cards after talking to a lawyer bad? How do they know you spoke with a lawyer? Do the lawyers have to report it somewhere on the consults they do or is this just if you put a down payment with them? I thought they only look back 90 days??? We are 99.9 % sure we are filing but there is still a teeny tiny bit of not wanting to file. Should we not even speak to a lawyer?