I would like to see if I can file chapter 7 but have recently used credit card. I have a house which I plan to keep making mortgage payments on and a car which is paid for that I would like to keep. I have credit card debt which I am struggling to pay and cannot keep current along with insurance, food and heat and utilities. Do I have to wait X time before I see lawyer for advice?
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No, you can see an atty at any time, and even retain one. He or she, however, may suggest waiting XX amount of days or even months before filing though. -
Also depends on the size/reason of the cc usage. Last time I used my cc was a week or so before filing for a major $750 car repair. Trustee at my 341 hearing didn't care, and surprisingly the creditor did not object as to the dischargeabilty. Of course this was in 2004 - old laws.Comment
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