I understand that MA has different rules. I'm over 62. I know my home and car will be exempt. Are pension, 401k, or an annuity taken or exempt? Someone told me I can't make any payments to creditors within 90 days of filing? Is this true? I have paid some with low payments. I have had my Sears account for over 30 yrs. The balance is now less then $500. I have paid them $300 in the past 90 days. Can I pay it off? I have not been able to pay Amex since Sept because the payment is too high. I've gone through my savings. I do not have a steady income and can't find a job at my age.