When should I file

[Summerbreeze]

I am filing chapter 7, paid my attorney in full 2 weeks, ago, this is the first month I stopped paying my credit cards, I did use one or 2 for groceries and gas in May but I made a payment since then. I didn't purchase any luxury items I only used them to pay bills or buy food. I would like to file at the end of the month, or do I need to wait 90 days since last usage? My attorney said it shouldn't be a problem as long as it was for grocery or gas, I did pay some utility bills I think in April on one of the credit cards. I have heard you have to wait 90 days and then I heard you don't have to if you used the credit card for necessities.

[PaKettle]

If they were small charges, you should be okay.
If you don't have any big balance transfers or cash advances in the past 3-6 months you should be good to go.
They will only file an objection on amounts of $5-10k that were taken out 3-6 months before, usually not even then.

[sick of debt]

best of luck to you. I file C7 on thursday