I plan to file bankruptcy - just decided to this month... but I last used one of my credit cards in the beginning of Feb... how long before you file should you stop using your credit cards? Please write back asap... for CHAPTER 7... Louisiana.

STRUGGLE :( :( :(

struggle:

The general rule is that any debt accrued within the past 90 days cannot be relieved via bankruptcy. It may be different under recent changes in the bankruptcy law, but I do not think so.

However, before you resort to bankruptcy, have you tried credit counselling? Go to this site (www.nfcc.org) and make an appointment to see a counselor. They may be able to help you with a solution short of bankruptcy, which, bottom line, should be a choice of last resort.

Hope this helps!

Atlanta Tax Expert