Need help please reply ASAP

[keepmine]

I'll say again, you and your brother need to stop involving your parents in your business financing. As much debt and as limited income in your household, you need to just stop now. If bk is on the horixon, you don't need comingled accounts complicating things.
Your cash on hand is not income because, it is from the proceeds of a loan-that's debt. We keep dancing around one thing. Your state [and all states] have a rule about how much cash you can keep when you file. If you have excess, it's property of the estate and must be turned over to the trustee. Does not matter if it is in the bank or in your sock drawer. If you are determined to keep it, my suggestion is just quit asking questions about it and hide it.Chances are, the trustee will never know. That's just the end of the story.
IMO, if you are filing taxes and not being claimed as a dependant then, your income should not count in the means test but, that's a good question for your lawyer.
Cash advances and cc charges are treated differently as to presumption of abuse. Cash advances have 70 days and cc charges for non luxury items are 90 days.

Honestly, if you are not going to help pay this back, you need to talk to your mother now and make sure she curtails cc use.

[sunzhu35]

Thanks keepmine, I didn't wanna piss u off, just had some pressing questions given my situation and surveying my options. I realize biting the hand that feeds u is not the way to go. I truly appreciate u trying to help me out. I also spoke to my mother and she says she doesn't wanna do it but she wants more info before making up her mind.

Btw, majormike thanks for reminding me about life insurance, well my dad didn't opt for the life insurance policy at his new work.

I'll post some new questions later tonight. Right now i just wanna eat and rest. Thanks to everyone trying to help me out, much appreciated.