I finally retained an attorney on Thursday and just need to take the credit course and then get her a few documents before I can file. I know it's best to delay filing as long as possible but is there any perceived benefit to filing over the holidays (i.e. "Christmas Spirit") with the trustees?
I was planning on filing on Halloween to keep the 6-month lookback to April 1 - September 30 but can push it back into November if need be and really target the holidays for my 341 meeting.
I started planning this back in March when I met with an attorney and cut up my cards, stopped paying creditors in April, and was really afraid that I'd have a garnishment by now. I've just gotten some threatening letters but nothing substantial from anyone.
I was planning on filing on Halloween to keep the 6-month lookback to April 1 - September 30 but can push it back into November if need be and really target the holidays for my 341 meeting.
I started planning this back in March when I met with an attorney and cut up my cards, stopped paying creditors in April, and was really afraid that I'd have a garnishment by now. I've just gotten some threatening letters but nothing substantial from anyone.
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