What they look at

[Aggie1138]

I'm curious as to what they will look at on my credit cards. Towards the end I have been up to date on my credit cards but using them every month for food or gas because I was out of money from paying all my cards.

I was unable to pay my cards that were due on the 15th of May. Last week I came to the conclusion that I just can't make it anymore paying these cards. I will be doing it for the rest of my life or falling behind any day now (like I did on the 15th).

My question is that a couple of weeks ago I used one of my cards ($59.00) to put in my bank account to cover some bills. Will they see that as fraud? That wasn't my intention but I am afraid of what it looks like.

I won't be able to file until after the 15th of September, when I am done paying the lawyer. I've stopped using all cards since I decided to do BK and just retained a lawyer as of the 27th of May. How far back do they look? And are they looking for more "luxury" spending?

Thanks,

-Aggie

[scorpion35]

I'm curious as to what they will look at on my credit cards. Towards the end I have been up to date on my credit cards but using them every month for food or gas because I was out of money from paying all my cards.

I was unable to pay my cards that were due on the 15th of May. Last week I came to the conclusion that I just can't make it anymore paying these cards. I will be doing it for the rest of my life or falling behind any day now (like I did on the 15th).

My question is that a couple of weeks ago I used one of my cards ($59.00) to put in my bank account to cover some bills. Will they see that as fraud? That wasn't my intention but I am afraid of what it looks like.

I won't be able to file until after the 15th of September, when I am done paying the lawyer. I've stopped using all cards since I decided to do BK and just retained a lawyer as of the 27th of May. How far back do they look? And are they looking for more "luxury" spending?

Thanks,

-Aggie

they look back 90 days but can go back as far as 1 year
yes the trustee is looking for luxury spending $500 + per CC
i wouldn't worry about the $59 and using the cards for essencials like gas and food is ok

good luck

[Aggie1138]

During Xmas I used a card to buy some gifts but it was less than $500.00 total. I also kept paying back the cards and was never behind... until 2 weeks ago.

[scorpion35]

During Xmas I used a card to buy some gifts but it was less than $500.00 total. I also kept paying back the cards and was never behind... until 2 weeks ago.

u should be ok.i wouldn't worry about

[Aggie1138]

Lately I'm looking at every angle cause all I'm doing is worrying...*sigh*

[catleg]

Credit cards really have very little recourse against you for misuse prior to filing, especially when it involves very small amounts.

So I'm saying, you're fine, don't worry.