Comments on: Recent Credit Card Use and Filing for Bankruptcy – What Are Some Guidelines?

By: Jonathan

Jonathan — Tue, 17 Jan 2012 01:42:09 +0000

BJ, my office is in Atlanta and we handle cases in Atlanta, Rome, Gainesville and Newnan. I generally advise my clients to try to put at least 3 months between their last use of credit cards and filing but if that is not possible, you should be prepared to pay back some or all of the last few months of charges.

By: BJ Grifffin

BJ Grifffin — Tue, 29 Nov 2011 14:09:30 +0000

I live in Georgia and have question I think I am close to filing and have been using my CC for essential expenses however I have had a buy some clothing for the winter months for my husband and I along with personnel care items is that OK? Also my fridge went out in October and I replaced it in Nov that was over the 500.00 Should I wait until Feb to file and just try and stay current with the credit cards? I have been making the min payment and all cads and think that after Dec 2011 I would like to file as soon as possible after that, I’m not sure I will even be able to make the min payment after Dec.
Jonathan where in North Georgia are you?

By: Jonathan

Jonathan — Sat, 05 Nov 2011 19:44:26 +0000

Yes, you can. If you live in the northern part of Georgia, give me a call at 770-393-4985.

By: Laura

Laura — Sat, 05 Nov 2011 18:12:25 +0000

My husband and I are considering bankruptcy because we have about $47,000.00 in debt. We have used our credit cards lately but only for essential items less than $500.00. Can we still file? We live in Georgia.

By: tom

tom — Wed, 07 Jul 2010 16:35:49 +0000

Thanks to Mark for giving me a good laugh about using pre-paid credit card.

By: Connie

Connie — Wed, 15 Oct 2008 02:25:03 +0000

My bank is holding car titles after reafirming the car loan and paying the car off, from a chapter 7, because there was a credit card debt as well. Is this legal?

By: Mark

Mark — Sun, 25 May 2008 23:40:33 +0000

This may sound like a very dumb question: I assume that my use of a prepaid credit card shortly before filing for bankruptcy will have no effect on whether my other credit card debts are dischargeable?