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how long after last using cc till file ???

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    #16
    ya may of 2009 is a 3 payperiod for myself and my wife and that would hurt us. So i understand you situation. Too bad you could not have planned for it sooner.

    I would then file it. The worst that can happen is in a 7 they object and you try to settle for less, or in a 13 it gets tied in your payment plan.

    the only thing that may get you in trouble is if you choose to fight it.

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