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Consumer Bankruptcy : Chapter 7, Chapter 13, Protection From Claims of Creditors
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Old 09-16-2005, 11:14 AM
Junior Member
  
Join Date: Sep 2005
Location: MO
Posts: 2

Over and Over

What is the name of your state? MO
I'm sure you all have heard the same stuff over and over. I apologize - we are very new to this. Visited with lawyer 2 days ago for free consultation. Have questions since returning home. They asked if we had bought "big ticket items" in past 60 days using cc. We've made a house payment, paid for vision exams and glasses for the kids, and paid for a $100 TV. Is this what they're referring to? If so, where does that leave us?
  #2  
Old 09-16-2005, 12:49 PM
Senior Member
  
Join Date: May 2001
Posts: 6,453
Big ticket really means luxury items or frivilious purchases. There is nothing wrong with making a mortgage payment or paying for medical/dental/vision needs or $100 TV.
  #3  
Old 09-19-2005, 09:11 AM
Junior Member
  
Join Date: Sep 2005
Location: MO
Posts: 2

Car Loan

Thanks for easing our minds. They also told us to go out and buy a less expensive car before filing bankruptcy on our high priced one. We have 2 high priced ones. Can we go buy 2 lesser expensive vehicles (which we would have to get a loan to do) without losing them? We still have very good credit because we haven't missed a payment on anything. Is this what would be recommended?
Thanks for listening.
  #4  
Old 09-19-2005, 09:36 AM
Senior Member
  
Join Date: May 2001
Posts: 6,453
Sounds like you've got a good lawyer.
Yes, get the auto needs taken care of prior to filing. You can reaffirm the loans.
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