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[NYC] Help me plannig my BK7 ?

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Anonymous
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[NYC] Help me plannig my BK7 ?

I’m asking for help planning the bk
 
I have student loans (deferred, and cc debts ~40k) when in college in 2015.
Couldn’t get a job with my degree, worked in sales for 3.5 years, then in 2018, got sick with multiple surgeries till now.
Wife has good credit, working in custody bank, relied on her income while using paying her own ccs, for those 3 years at home.
Due to a mold problem at home, had to use CCs to purchase almost everything new, and moved to Brooklyn, with higher rent.
Now cannot afford making minimum payments for ccs.
 
Contemplating filing JOINT bk7:
 
Her ccs are not all maxed(70%), total credit ~35k/50k
When do we file? when do we stop using/ paying ccs?
How many months of bank statements do we need to provide?
Would closing a bank account be red flag? (how long does it need to stay closed not to be so?)
Could her job (finance custody bank) be affected with bk filing?
She has a car (paid) on her name we put for sale for $5,000 when we moved to NYC, would selling it for cash be an issue? Does waiting 6 months before filing clear it?
 
thanks
 
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