It's been several weeks since we first considered Chapter 7, and we haven't used the credit cards since. But, prior to that, we were robbing Peter to pay Paul. Unfortunately, our budget doesn't allow us to make the minimum payment AND meet our other financial obligations, so in order to stop using the card, we have to stop paying on it. We have enough money to make about two more payments without using the card, but that's about it. After that, we'll have to cut them loose, and prepare for the onslaught of creditor harassment. It will be a few months until we can actually afford to file.
Looking through the past four months of statements, I see things like the grocery store, the gas station, utilities, cell phone bill. Mostly things we need.
The charges that concern me are $450 on a new set of tires (including balance, rotation, alignment), and $350 to make my car stop leaking oil--these happened in April, and I have the receipts. There are also quite a few charges to Target, where we buy diapers (about twice a month@thirty dollars each time, and, unfortunately, since I wasn't planning on BK at the time, I didn't save any of these receipts).
So, based on the above information, how likely am I to face adversary proceedings? From what I've read on these forums, most AP's involve cash advances (which I've made none), or ridiculously high charges (like, in the thousands), so I think I'll be okay (I hope). Plus, since I'm making two more payments without using the card, ninety days will have passed between my last purchase, and the first missed payment.
Any thoughts?
I'm just praying that things go as smoothly as possible. This whole bankruptcy thing is overwhelming, let alone the possibility of creditor objections.
Looking through the past four months of statements, I see things like the grocery store, the gas station, utilities, cell phone bill. Mostly things we need.
The charges that concern me are $450 on a new set of tires (including balance, rotation, alignment), and $350 to make my car stop leaking oil--these happened in April, and I have the receipts. There are also quite a few charges to Target, where we buy diapers (about twice a month@thirty dollars each time, and, unfortunately, since I wasn't planning on BK at the time, I didn't save any of these receipts).
So, based on the above information, how likely am I to face adversary proceedings? From what I've read on these forums, most AP's involve cash advances (which I've made none), or ridiculously high charges (like, in the thousands), so I think I'll be okay (I hope). Plus, since I'm making two more payments without using the card, ninety days will have passed between my last purchase, and the first missed payment.
Any thoughts?
I'm just praying that things go as smoothly as possible. This whole bankruptcy thing is overwhelming, let alone the possibility of creditor objections.
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