Could someone clarify this for me? I know the 90 day rule with credit cards. This means I should not use the cards 90 days before even meeting with the attorney, correct? Also, I'm reading forums where it says the trustee is asking questions about purchases from 12 months ago on cards. Does this actually happen and does the trustee have access to exactly what it was your purchased? I know there are going to be purchases that I don't remember a year ago offhand. I also just discovered something I've done that is likely going to rule out filing BK for me altogether. Earlier this month I had to purchase a water heater for my house and it went on my store card. I didn't have the means to pay the person fixing it for me cash so I purchased some gift cards for him to be able to use so that I was at least giving him something. There was a few months ago where I had also purchased some gift cards for myself to be able to use to pay other bills like my electric, gas, and groceries......I know, that wasn't a smart thing to do and I honestly thought about that at the time, but never for a second did I realize the impact it could have down the road. I was expecting an inheritance and was just going to pay the majority of the cards off. However, that didn't happen. Fast forward to right now, I know at least 1 of the purchases was over the $700ish mark. Are they going to know exactly what I purchased that day? What do I say if they ask me? Do I just tell them the truth, uh yeah, I purchased a hot water tank and a few gift cards to pay my buddy for fixing it? I bought gift cards so I could buy my kids food?
I'm literally getting sick over this at the moment...the way things are looking aside from this worry, if I leave all my credit cards alone and stick to 90 days, it would put me around March 1st 2020 of filing. However, I currently have 5 cards past due. Discover, BBT, Wells Fargo, Credit One and Merrick. They are almost 2 months behind. I don't know what to do. I can't make the min payment on Discover, they want almost $400. I can't make the other payments that are behind unless I don't pay any of the ones I'm current on. By the time March comes I will be about 5 payments behind andI'm freaking out and have no idea what to do right now.
I'm literally getting sick over this at the moment...the way things are looking aside from this worry, if I leave all my credit cards alone and stick to 90 days, it would put me around March 1st 2020 of filing. However, I currently have 5 cards past due. Discover, BBT, Wells Fargo, Credit One and Merrick. They are almost 2 months behind. I don't know what to do. I can't make the min payment on Discover, they want almost $400. I can't make the other payments that are behind unless I don't pay any of the ones I'm current on. By the time March comes I will be about 5 payments behind andI'm freaking out and have no idea what to do right now.
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