If I stop paying on my credit cards before filing chapter 13, how long do I wait before I file? I have used my credit cards up to this date. I was advised to stop using them right away, and use the money I would pay the credit card companies to live on. My wife stated she can't make the minimum payments with out using the cards.She is worried that when we stop payment, the calls will come at home and possibily work. Really don't want calls to work. We both work at the same,place, If We waited the recommended time before we file, and still pay the credit card co, but use the cards for food medicines etc would we be ok not challenged by the credit Co.