There are many threads on this same question. I had the same concern. You will get varying opinions/advice.
I chose to go into the BK 7 with as clean of reports as possible....No INQ's, no new accts and no derogs...but i did end up with a few 30 day lates that i think are not accurate. I will deal with those later though.
Any negative info on your reports prior to filing will remain on reports for 7 yrs.
So it's safe to assume that:
-BK on reports = BAD
-BK on reports + NEGATIVE ACCTS on reports prior to filing= WORSE
I don't know the answer to your specific question but I am going to offer my opinion (that some members may disagree with). Most people that filed BK7 biggest regret was not doing it sooner, including myself. The FIRST thing I did was stopped making payments (spending bad money) after talking to three BK attorneys, who all told me the same thing. I used the money I would have spend on debt and paid my attorney in full.
I had numerous 30, 60 and even some 90 day lates when I filed. Had I done it sooner, I could have avoided some/most of those lates and started life after BK. The night I filed, when the phones stopped ringing was one of the best nights sleep I've ever had. Again, should have pulled the trigger sooner.
If you know you're going to file, do it. Then you can focus your obsession on your rebulid. Just my 2 cents.
If a creditor is not an insider, the trustee can’t undo the transaction unless you paid the creditor more than $600 within 90 days before your bankruptcy filing; however, actual practices can vary depending on the court and trustee. An insider is a relative, friend, or business associate. The bankruptcy trustee could undo any transfers of property to insider creditors if the debtor transferred the funds within one year of the bankruptcy filing. This has gone back and forth for a long time. The BK will be the biggest hit to your scores as you know. If you could end up with just 30 day lates. They only sting for a couple years. Many say just quit paying. You want to look broke. Its a see saw situation. Darn if you do. Darn if you dont. But I believe future UW's will see the lates occurred right before filing. It can go either way. So its personal decision.