Scared

[Beedlebrow]

We had used our cards just prior to consulting an attorney for our ch. 7.
We were advised to stop making payments immediately, and not to use them for the next 6 months.
6 Months later we filed.
All good so far.

[mamaof2]

Thanks you two

yeah- i also worry that my husband and i are only under the median income by about 2000.00, is this going to make it any more difficult?

[GeG_Lost]

I had about $800 in a cash advance and my attorney said as long as I was willing to pay that portion back, she was willing to proceed right away if that is what I really wanted. We ended up having to wait a couple of months to finish paying our attorney just because of life (unexpected car repairs and things like that). That said, I would gladly pay that $800 instead of the massive amount of debt we are discharging. I think with all the fees and such added on since I quit paying we are up to around $140,000. That was our situation though. I would ask your attorney's opinion and go from there.

[mamaof2]

I know, I made my last purchase on the cards yesterday for food and gas, I know that i may have to make some payments, and am ok with that, as long as it doesnt make it drag on longer than it already is going to. Any advice from anyone here will help me alot, as i am very scared, but have never been without heavy debt since the age of 18 (that was almost 12 years ago)

[novayalife]

the chase and visa purchases that you made very recently may cause you some problems. Stop using all credit cards now! Generally, your attorney will tell you to stop making payments and use that cash for living expenses and to pay your attorney but you may have to make some payments on the cards you just used.

[mamaof2]

Hi all, this is my first post, we are current on all bills, but made the decision to file for chapter 7 asap (our consol is in 2 weeks, and want to file as fast after that as possible), my question is, we want to keep our house, truck and motorcycle (no equity at all in any of them), we have about $80,000.00 in unsecured debt, and we have used 4 of the cc in the last couple of weeks

chase $600.00
citi $400.00 (over the course of 2 months)
old navy $180.00
visa $300.00 in purchases and $600.00 in cash advances

my question to you all is do you think this sounds like a pretty simple chapter 7...or will we run into problems?

Also, we have decided that starting in may, we will not be making any more payments to the unsecured debts....is this a smart thing to do? (it is because i need to have the attorney money, as soon as he is ready to file)

thanks