Married, but filing solely for BK 7/13. Current on all debts secured (home mortgage) and unsecured (cc and personal), everything is in my name. Possibly considering BK as last ditch to free myself from CONSUMER CC DEBT of 66k. While justifiable in my mind, such as $1500 car repair, purchase childs bed $550....how will creditor and or trustee view these transactions that happen to fall within 90 days of petitioning.
It is not common ... but it will happen from time to time - depending on how much debt you incurred (relative to your income) in the year prior to filing. Cash advances are the most frowned upon ... followed by luxury purchases.
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It shouldn't be. The trustee represents your creditors "collectively." The trustee will not advocate for any one particular creditor; as such, the trustee usually doesn't care about individual credit card charges.
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Lawsuit / Dispute Attorney
I agree with my fellow attorneys. Have you passed the means test?
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