I am thinking about filing Chapter 7 but I have some fairly large purchases on my credit cards in the past 90 days. Most are definitely for regular living expenses but some are not. Is there a general standard to determine a "luxury expense or service"? Would doing superficial body work on my car be considered "luxury"? If I go to a bankruptcy attorney and pay his/her fees from a credit card, can that amount not be discharged? What about attorney's fees, in general (I was involved in a small litigation recently)?