I have said this before, and I will say it again, and again…, preparation for a chapter 7 bankruptcy is the key to a smooth litigation free experience in the bankruptcy court. A good way to think is in terms of at least 90 days.  Ninety days (or more) before you plan to file the initial bankruptcy petition, speak with a bankruptcy attorney.  Most likely, he/she will tell you to STOP PAYING ON YOUR CREDIT CARDS. This will also allow you time to retain the attorney and implement the valuable advice they offer.  Additionally, you can probably make payments to the attorney instead of paying the fees in one lump sum.

Those “quick bankruptcies” are seldom wise.  Preparation….. do it.

STOP USING YOUR CREDIT CARDS. Hey, if you have to eat and have no money, that’s one thing – starvation will do that.  However, purchasing a new TV or hitting the Casino in an attempt to “win” your way out of bankruptcy will normally be considered “fraudulent”.  Oh yeah, so will transferring your RV to your mother for payment on that “mysterious loan” – gotta love those 341 meeting confessions.