Below is an actual e-mail response to questions I received from my client. Her questions are so relevant to most people's concerns, I had to re-print the entire dialogue. As I am licensed only in NY, this is not legal advice for anyone else that I have not personally met with, and simply should just...

We are in the process of deciding whether we are eventually going to need to file for BK. We wouldn't do so for probably at least another 6-9 months. My question is, if we had some money in the bank, and were to slowly withdraw it over the next several months and put it under the proverbial mattress,...