Charging on CC's before filing for BK

[mycreditisbad]

My husband and I are thinking about filing for bk. We have an appt. to meet w/ a lawyer on Friday. Meanwhile, we live in WI and got hit by a flood last week. We have a cc @ Menard's (home improvement store) and need to buy numerous things for clean up including a new water heater! Could we safely charge these items now and not have it look like fraud? We have no cash and have to clean up the basement b4 mold sets in. When it rains, it poors!

Thanks!

[Prideofjc]

The credit card company can challenge your debt if you use the credit card right before filing a bankruptcy.

[Cali]

Are you keeping the house?

[jerzey]

Thats If'y
Ask your Lawyer

[mycreditisbad]

Yes, we will be keeping the house.

[ThreadsSnapping]

They may object or they may not, no way to really tell. Use it only for what you absolutly need and just be prepared to have to pay back what you charge right before you file if they object.

[woeisme]

those debts may become non-dischargeable if the CC companies decide that it was abuse. But since it is a store card, read the contract carefully, it might already be secured debt that you would either have to pay for the new hot water heater and other items anyway or have them repossessed. If you have to do it, you have to do it, just be prepared to pay for the items and not have them discharged in your BK, and to possibly have delays in your discharge due to the objections. But you're just thinking about BK now, not a for sure thing, and if you make some payments on the charges and don't file for a while, you might be ok, who knows? But like I said before, just assume these debts will not be discharged, and then if you get lucky and they don't object, consider it a bonus.

[keepmine]

Charge what you need. Under the circumstances, these are non luxury items. Any challenege, and you have an excellent totality of the circumstances argument. If at all possible, pay just the bare minimums on the account for 3 billing cycles and then wait another few months before you file. That should minimize the risk of an objection.

[Stilltheone]

When are you filing? I filed in Wisconsin (Eastern District) and a month before we filed, we charged car repairs without a problem.

[mycreditisbad]

When are you filing? I filed in Wisconsin (Eastern District) and a month before we filed, we charged car repairs without a problem.

We are just thinking about it now. Probably not until 3-6 months down the road. We would be Eastern District too. Who did you have for your trustee? Was it scary???

[Stilltheone]

We are just thinking about it now. Probably not until 3-6 months down the road. We would be Eastern District too. Who did you have for your trustee? Was it scary???

I'll pm you.