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Question about use of CC before filing

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Question about use of CC before filing

Have free consultation coming up and filling out a questionnaire. One question is if you charged more than $600 on any credit card in past 6 months. I last charged on AmEx Platinum on Sept 11th. Charging privileges were suspended after that date and unable to use. So six months will be March 11. Do you think I will have to wait until at least March 11 to file? Is that a standard question the BK court will ask about? I assume it’s to make sure the card wasn’t run up just before filing. AmEx is suing me (had other cards with them) and th court date is set for April 4. I have to file before then I assume in order to stop the lawsuit. 

Message 1 of 5
Valued Contributor

Re: Question about use of CC before filing

HOW Much was the Amex Charge?         Have your bankrucpty attorney reach out to the office suing you for amex and informally tell them your getting ready to file... they will most likely extend the file date / dismiss all together.    

Family Member made me an AU on: 2008 Sears MC $2,001, 2016 SEARS Store Card $2,001, 2011 Synchrony Home $5,500 , 2003 FNBO Visa $9,900, 2008 Macys Amex $1900, 2008 Kohls $2,000, 2008 JC Penny $4,500, 2016 TJX Mastercard $1,500, 2019 SDFCU PowerCash Visa $10,000, 2018 AAdvantage Aviator MC $5,600, 2018 HSN $4,500, and 2016 Local Credit Union Visa $5,000. Waiting on them to all report over the next month... Only Kohls is reporting so far... WITH AGE. They use AZEO method.

Member of:
Andrews FCU (Share), PENFED CU (Checking/Share), SDFCU (Share), Alliant CU (Checking/Share), NASA FCU (Share), NWFCU (Checking/Share), Ally Bank (Checking/Savings), BofA (Checking/Share), Navigant CU (Share), Greenwood CU (Share), Elements Financial CU (Share), Ocean State CU (Share), SDFCU (Share), Wells Fargo (Checking), RI Credit Union (Share), CashApp, PayPal Premier (for free direct deposit access with cash card), Paypal Business - Grandfathered 1.5% Cash Back on Biz Debit), Apple Pay Cash, and Venmo.

I WANT to join: Hanscom FCU (For the 2 day early direct deposit).

DCU, NFCU, Comenity, Synchrony, Barclays, Discover, Amex, Webbank (Avant), Santander, Citi (Shell), DSNB (Macys), TDRCS (Target+Nordstrom), Capital One (Personal & Business, Kohls, and GM), CreditFirst(Firestone)
Message 2 of 5
Frequent Contributor

Re: Question about use of CC before filing

About $2500 on Platinum and $1200 on Gold which were my normal monthly charges. So they can’t say I ran them up then quit paying. No single large purchases.
Message 3 of 5

Re: Question about use of CC before filing

My attorney told me regular usage for living expenses were ok

Message 4 of 5
Frequent Contributor

Re: Question about use of CC before filing

I think they are asking if there any single charges over $600.  Normal living expenses are okay.  They are just making sure you didn't go buy a Rolex and a MacBook and then file.  

Message 5 of 5
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