It doesn't matter, I am going to do BK Chapt. 7 non-asset hardship through legal-aid if possible. I stopped paying CCs and am paying it directly towards rent & utilities. I found help at BK forums here, not by lawyers, but by people who have gone through the process: http://www.bkforum.com/...
If the courts go back 3 months on one of my credit cards they will see I incurred $500 a month in eating out costs. I heard that if you spend more than $500 on luxuries during those three months, the BK won't go through, is this true?
Background info: I have been mentally disabled with OCD...