Yesterday, one of my "big" cards was due, $400.00 min payment. I just couldnt make it work, all of my tax return is gone, which is what I kept transfering into the checking acct to pay my cc's. We are over the means (median income is 70,612, we are at 75,000). Our lawyer said we had to wait 6 months after receiving our tax refund, which puts us as filing Nov 1. My projected income between now and than still leaves us with negative DMI on the means test, but my husband works for Ford, and I am afraid he will all of a sudden get overtime in August and that will screw the whole thing up. So, while we are certain BK is in our future, just cant be sure it is going to be Nov 1. Everyone says to stop paying CC's whenever you know you are going to file. Is this too soon? What if I quit paying some, but not all? While I cant afford a 500 Citi, 300 discover, 350 discover, and 400 hsbc, I can afford the 15 Kohls and 20 menards. DOes it have to be all or nothing? And, I just read a post how it hurts your credit more to stop paying your cc's, then BK............really? I pretty much thought the BK screwed up your credit, and thats as bad as it got. If this does turn into 6 mo's or more, I am sure we will be sued.......is that more negative than still paying, then filing BK?