How long before you filed and why?

[ccsjoe]

We did quite the opposite to tobee. We struggled for almost 3 years with the cc vicous cycle of paying one to cover the other and last June we realized we were getting nowhere. We couldn't even afford health insurance or appropriate paycheck tax witholdings. It took me about a month to accept it. Interviewed attorneys in late July, retained in early August, filing tomorrow...so pretty tight timeline here.

[tobee43]

we planned very carefully and waited almost 2 years...but we were dealing with pay cuts and illness etc... we held off for a number of reasons...many which are just applicable to our situation...

but it had been well over a year since we used any "charge" accounts when we filed.
stalled by making slow payments to our attorney...that way he was "retained" but not ready to file...and even when he was i had him wait almost another 10 months before submitting the paperwork.

each situation is different. you need to examine your situation and see when and what is best for you as far as when to file...best of luck!

[2bdebtfree]

I was just curious (only to try and make me less distraught) as to when you decided to file bk and when you actually filed..

I have been drowning in debt and my husband worked odd jobs and I work full time to always pay our bills. Alot of time I needed to use credit cards to pay for food and gas. My husbands health is an issue so he recently applied for SSDI and was denied. During this time I paniced and took out a cash advance of $9000 to cover cc payments and whatnot for a few months (I know I was very stupid) hoping he gets SSDI. Now I don't see getting aapproved for SSDI happening any time soon so my end result is BK. I know I have to wait at least 6 months for the Cash Advance to age before I can file. I'm going to my first face to face consult tomorrow.

I'm just curious to see how long everyone waited to file. It seems like these next 6 months will take forever.

Thanks