Hello,

First off great site. I have been reading this site everynight for the past week or so. I currently have about 25k in cc debt, with my income slightly down (roughly 35k). Things are getting extremely tight, pretty much to the point where I have to select which bills I want to pay and which ones I don't. As of today, I have never paid a bill late in my life and I believe that is what is keeping my credit score avg bc my DTI is so high. My credit scores are around 647. My question is if I do file chap 7, should I cont. to pay on those bills that I want discharged so they are not late? Or will it not matter? Second question I have is how big of a impact can I  expect when/if I file? 100 points? more or less?

Thanks in advance!

Justin