Using Credit cards

[sickandtired8]

What if you use your credit card for living expenses 3 months before you file Ch 7, what will happen? I know you aren't suppose to use it for 6 months before you file. Thanks! S&T

[JRScott]

Make sure to keep all the receipts. If it is for normal living expenses such as food, gas, etc then it will not raise a flag, they might ask but if you have receipts you will be fine. It is the use to purchase luxury items that can raise a red flag whereupon the creditor can object. I would use them only minimally.