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    #1

    Recent Charges

    I have a question. In the past 60 days I've charged $4937 on my visa. Out of that amount 2017.96 was grocery, gas, utility, medical and BTS clothes. 276.04 was finance charges, and I then I had $978 in returns. How bad is this for me? I would never committ fraud but am scared it may appear that way.

    thanks-
    hm
    Tags: None
    #2
    I'm assuming the grocery, gas, etc. will be easy to indentify based on your statements/receipts. And you returned some of the non-essential items? What were the other charges? Those are possibly the ones you'll have issues with.
    Most of my information is from personal experience or HOURS and HOURS of online research. When you're searching online, keep in mind there is no guarantee that the info is completely up to date, and your situation is unique from anyone else's. Do your homework, and consult with an attorney so you can make an informed decision.

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      #3
      OH good lord, when you have a shopping addiction it could be anything. Looks like just plain old shopping, Target, Walmart, Kohls, my alarm company, eating out, post office, cell phone. Can a shopping addiction ( I am completely saying this with a straight face) not be considered the same as gambling? I was actually interviewed for our local paper about 6 months ago on the topic. This is all on one card, a card with a 12k balance.

      thanks-
      HM

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        #4
        I honestly don't know if it might be an issue or not. I'm sure someone else will chime in. I know that purchases under a certain amoung really aren't looked at, but I don't know if it is per transaction or per month.
        Most of my information is from personal experience or HOURS and HOURS of online research. When you're searching online, keep in mind there is no guarantee that the info is completely up to date, and your situation is unique from anyone else's. Do your homework, and consult with an attorney so you can make an informed decision.

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          #5
          Not familiar with the subject, but just like a person with substance abuse you may want to seek counciling to show that you have a problem and are doing something about it.

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            #6
            Originally posted by hhou812hh
            Not familiar with the subject, but just like a person with substance abuse you may want to seek counciling to show that you have a problem and are doing something about it.
            I did seek counseling last year for my OCD- how would I substantiate that? Have the doctor release her files, or write up some sort of documentation?

            thanks-
            hm

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              #7
              I can relate to 4inga

              Its true, I say with a straight face too, I do admit thats the same problem I have shopping addiction. That is what has gotten me in so much debt, just buying and buying, I really can't stop. Most people laugh at this subject and say that it is plain stupidity and irresponsible but its not, its a real problem. I did actually mention it to my DR and he did refer me to couseling for addictions but I never went because I have no money to pay for counseling at the moment. So I wonder too, if shopping addiction will be seen like gambling addiction in bankruptcy and be a problem on discharge issues?

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                #8
                Does anyone have any experience with Chase or Lowes showing up at your 341, or disputing recent charges at all? Also- will Ford show up because I have a secured loan on my car that I'm keeping? How long do I have to reaffirm it?

                thanks-
                hm

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