Using credit cards to pay bills

[ChainSmokin]

[SinkingFast]

It's a hard thing to do, but you need to stop charging expenses and stop paying CC bills.

Learn to live totally on cash.

Keep paying your rent/mortgage and utilities. Pay your car payment if you have one and want to keep the car.

Pay for everything else with cash.

Leave the cards at home. Cut them up if you have to. But don't use any Credit any more.

[CATCHMEIFYOUCAN]

I'm sure we have all done what you are doing, borrowing from Paul to Pay Peter, etc.

Agree w/poorme .. you'll get plenty of good insight about BK through the forum.

Good Luck, Catchmeifyoucan

[poorme]

First, welcome to the board! You'll find many ideas here and a lot of helpful information.

Many here have been where you are - and have managed to get through some of the toughest days of our lives. Sorry to hear you have an illness - are you working or have any source of income? If not, it's a matter of time before your card option will play out. Read - and read more - in the sticky notes and each forum on filing bk and managing your creditors. Your best plan will find it's way to you.

In your filing, you'll have to show all of your bills and income, etc. As long as your credit card expenses haven't been frivolous, you should be fine.

[flower]

I'm to the point that I am having to pay credit card and other bills by using my credit cards. Is that going to cause a problem when I file. Will they say that I am abusing the system? That's why I am wanting to declare bankruptcy. This is happening because I have an illness. I'm not irresponsible. What should I do? Thanks.