fear

[pa308]

I am thinking that I will probably file in about 6 months. I have a recent furniture purchase of about 2k so i want to put some time between that. I am having a hard time right now making the minimums do to a few set backs. Someone had mentioned that i need to stay current on all for about 90 days before putting on the brakes on all ccs. First off i dont knwo how i am going to stay current and pay daily bills. Second even so i have this fear that i put on brakes, rack up all the late fees and such and then get dismissed without discharge..........Anyone who has filed gone through that feling?

[freshstart06]

Worse can happen is the furniture debt will not get discharged, this will not get your case dimissed. Can you just give the furniture back or did you purchase it with your CC???

[pa308]

cc or else i would gladly give it back.

[lrprn]

Someone had mentioned that i need to stay current on all for about 90 days before putting on the brakes on all ccs.

You misunderstood, pa. You don't have to stay current on your UNSECURED debts like credit cards. If you are sure you are going to file, stop paying them! The 90 day time period is not to make any more charges on the cards before filing.

What you do have to stay current on to file Ch 7 are the SECURED debts that you intend to keep after filing...your home, your cars, etc.

[nc73]

You misunderstood, pa. You don't have to stay current on your UNSECURED debts like credit cards. If you are sure you are going to file, stop paying them! The 90 day time period is not to make any more charges on the cards before filing.

What you do have to stay current on to file Ch 7 are the SECURED debts that you intend to keep after filing...your home, your cars, etc.

My attorney says to keep making payments until you file if you have balance transfers and cash advances less than 6 months old.

[lrprn]

My attorney says to keep making payments until you file if you have balance transfers and cash advances less than 6 months old.

Then in your district, nc73, this is the right thing to do if you have balanced transfers and cash advances less than 6 months old.

Everyone should follow their attorney's advice about what to do in each unique situation combined with each unique local court and its unique trustee practices.

[jp2861]

In your last post on the subject you didnt mention the $2000 being a secured debt. If you plan on keeping the furniture you need to stay current on the payments. The rest of the unsecure debt you can bail on. Use that money to start making payments to your lawyer.

[pa308]

its not secured. its on chase cc