Need to use a JCPenney card, haven't filed BK yet

[JasonK94Z]

I need to buy some clothes for my job. My JCPenney card has a zero balance right now. My first meeting with a lawyer is next Friday. My wife has informed me that my clothes are falling apart and I could use some new underwear :

Is this going to be ok? The charge might be around $250 -$300.

[HenriettaHen]

Jason - you have basically begun to prepare for bankruptcy. Therefore, any credit you use now is being used with the presumption that you are going to include it in the bankruptcy. That means you are using credit when you know you will not pay it back. This is fraud.

It would be better to scratch 300 bucks out of your cash money and do it that way. You have to start living within your means now.

Sounds weird, but I'm a much better shopper, now that I use cash money. Cash money is REAL!

If you have a good consignment shop around, take your hard-earned greenbacks over there and see what you can find. Amazingly, I am wearing better clothes since I started shopping this way ! Find some good stuff, take it to the cleaners to get it freshened up, and voila! Good quality clothes on your back, for cheap!

There are plenty of rich people out there who have their housekeepers take perfectly good clothes to the consignment shop. I know, I was one of those housekeepers. I gave my nieces Coach bags on their birthdays and at Christmas for several years - I had a closet full of 'em!

Be a scrounge, a forager. It's fun, and satisfies the shopping urge nicely.

[woeisme]

using cash is best

you will have the $ for clothes if you don't pay on your credit card bills. The above poster is right, it's fraud if you know you are going to file, but it is not against the law to not pay your bills, so you can take some of the cash you would have spent in the past paying your creditors and use it instead of running up new debt with another creditor. Hope this helps.

[$$only4ever]

Do not use any credit cards at this point. That was one of the first questions that my attorney asked us.

[Elf]

Don't do it.

Don't do it. There's a good chance that they're dismiss your case before you get started. It's fraud.

Elf

[CityGirl]

and my attorney said not to worry about it and to file as soon as I want because it's a 13 and not a 7.

[boomerang]

and my attorney said not to worry about it and to file as soon as I want because it's a 13 and not a 7.

Maybe I'm misunderstanding this post...youre attorney said it was okay to do this?

Ours told us that we couldn't file until 3 months after we had charged 500.00 or more...or they could get us for fraud.

I agree also, if you know youre going to file, time to get used to living with cash only..don't do it.