Disposable Income and Part Time Job??
The background:
I was using my income to pay my minimum payments, then charging all my expenses to the credit cards. I recently stopped using my credit cards and now my left over income at the end of the month is about $100. I have about 25k in unsecured debt on credit cards that I am not able to pay the full $550 in minimum payments.
The problem:
I am planning on applying to Pharmacy school, applications are due Nov 1st. I currently work full time but need to get an additional part-time job as a pharmacy tech somewhere to have some experience to put on my school application and get a letter of reference. I cant file until July 1st because that will be 3 months of not using the credit cards. Assuming it takes three months to finish the case that will put me at Oct, which is not enough time to be ready by Nov. 1st. Can I get this part time job while my bankruptcy is being handled and somehow stipulate that this money is only temporary? Im afraid that the extra $200 or so a month will force me to do the repayments.
Questions:
What is the maximum amount of left over money that you can have and still be able to file for CH 7? Can I file earlier than July 1st if I've only used the credit cards for things like food/school/gas in the past few months, or does there have to be NO use?
I was using my income to pay my minimum payments, then charging all my expenses to the credit cards. I recently stopped using my credit cards and now my left over income at the end of the month is about $100. I have about 25k in unsecured debt on credit cards that I am not able to pay the full $550 in minimum payments.
The problem:
I am planning on applying to Pharmacy school, applications are due Nov 1st. I currently work full time but need to get an additional part-time job as a pharmacy tech somewhere to have some experience to put on my school application and get a letter of reference. I cant file until July 1st because that will be 3 months of not using the credit cards. Assuming it takes three months to finish the case that will put me at Oct, which is not enough time to be ready by Nov. 1st. Can I get this part time job while my bankruptcy is being handled and somehow stipulate that this money is only temporary? Im afraid that the extra $200 or so a month will force me to do the repayments.
Questions:
What is the maximum amount of left over money that you can have and still be able to file for CH 7? Can I file earlier than July 1st if I've only used the credit cards for things like food/school/gas in the past few months, or does there have to be NO use?