What would you have done prior to filing if you had to do it again?

[majorbk]

I would have done it sooner as well. For over a year struggling to always be on time with my cc payments. It was stressing me out.

[Dougie011]

i would have done it sooner then I did. That is really all I would change.

[IBroke]

I paid everything right up to the time of filing. DUMB mistake.

Not necessarily - you earned yourself a headstart concerning your future credit-score by doing so.

[RuthCB]

Filed sooner and stopped paying my credit cards sooner. I paid everything right up to the time of filing. DUMB mistake.

[tyson24]

I am going to assume you are talking about bankruptcy planning

If I had it to do over again, I would have sold my car to my inlaws instead of just letting them take over the payment. Looking like you have an insider transfer is bankruptcy death.

I would not transfer property to anyone,. I would not pay back anyone (although I don't owe any money to anyone except my debts)

I would have planned better. I would have answered lawsuits for judgments to prolong the process. I would have talked to a reputable BK lawyer before I ever was in the position to HAVE to file.

[Epic]

Getting ready to bite the bullet and file BK7 in a few months. I do not know anyone who has personally filed (or admits) filing BK before, which is why I am so thankful to have found this site. From those that have done a BK, anything you would have done prior to filing that caused problems / issues during the proceedings that you could have cleared up before hand? (ie disputed TL's, assets, etc)