Garage/Yard Sales OnExempt Items

[nioka]

On my first coming to BK forums and reading some of the posts I put my CC's away. I have been using only debit and cash. I don't have any non-exempt items. Too poor I guess.

I got my grand kids some gifts that I will ship on Monday. All cash.

I sold some exempt items and using that cash as suggested.

My car repair wasn't as bad as I thought and I paid cash.

I need to replace my dentures and will get those before I file using cash from exempt items I sold.

When it rains it pours. Now my phone is shot and I need a new one. I will be moving and not sure if I will be able to get internet service after my BK I thought I would buy a Verizon phone and go with their service before BK. I was shocked at the phone prices. Is it OK to spend $300 on a phone before filing?

By the time I am done with what I need I will have spent all the money I got from my garage and exempt item sales.

Money for the attorney will come from my regular income.

[tobee43]

we didn't list verizon and it never interfered with our service at all, i would not list them if you are current.

remember this all :PRIOR TO FILING!!!!

in the state we filed the ONLY rule that followed was the 90 day rule on CC's period. i think we were asked when was the last time we used them. in our case it was over a year but i know from what our atty said this particular trustee struck firmly to rules of law which was a 90 day period for using your CC's. what i am saying is, if the rules are followed for the bk then it would be only a 90 day look back and not six months or more. does it happen, YES, that is when you atty such object to the time periods in question.