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Ch 7 & Credit Card debts

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What is the name of your state? TX

My husband and I are considering bankruptcy due to my loss of job recently. I am worried though, about 2 months ago my mother was unemployed and asked me to repay her for a loan she had made to me 3 years ago. Well, I did not have the money so I took out a cash advance to repay her. Now I am afraid that if I do have to file bankruptcy that they will think I have committed fraud. What are my options?:confused:


Senior Member
How soon are you considering filing ?? Its true, they look at cash advances and payments to 'insiders' (family), but if you can wait 3-4 months, then the period they look at for 'preferential' payments to insiders will have gone by and it won't matter much. A lot depends on the amount of the advance too.. was it a few hundred or thousands????

You can have the debt to your mother discharged.. just like all the rest.


It was $2000. I think we can wait a little while. I still owe her more but that was all I could give to her at the time. Even if I wait, would it be best to get some kind of letter from her indicating the payment was made to her?
Thanks for the advice.


Payments to relatives were relevant up to one year when I filed in IL. Ninety days for others.

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