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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.