There are many things a creditor looks at in determining if and when to file an adversary proceeding. More importantly, a competent attorney would have to review you recent credit history to make a fair evaluation. That being said, if there is a fair dividend being paid to the unsecured creditors, then there is far less of a possibility of any objection or Request for Dismissal
I think you need to break down and talk in person with a good bankruptcy lawyer in your area.
Answers are general only and do not consider the actual and particular circumstances of the questioner
If you have no pressure to file then 90 days is a safe time period. However, have a consultation with a bankruptcy attorney. In many cases there is little or no reason to wait if you have other pressures to file.
Taking out cash advances prior to filing chapter 13 is not, usually, grounds to have the case dismissed. As your repeated questions are being answered, at most, the creditor objects to discharge of the debt. However, you rarely see these types of objections in chapter 13 even when there is good grounds to object. All the creditor gets is a declaration that its debt is non-dischargeable. But they can't collect it while you are in chapter 13. Creditors rarely file objections to discharge of their debts in chapter 13 cases.
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