Using multiple credit cards before filing Chapter 7
I thought this was interesting. On my 1st meeting with a potential lawyer, he said that you can actually use your credit cards up to around 500 within the 90 days before filing for your Chapter 7. Of course, it has to be for "living" expenses, not luxury type expenses (expensive items or eating out at expensive restaurants). I know many that actual stop using the CCs altogether so there are no issues when it comes time to filing. I thought the limit was $500 "total" across all credit cards but apparently it's per account (lawyer's claim). This somewhat surprised me.
Does anyone else have any info on this? I'm really debating on actually waiting a full 90 days without any credit card charges so there's no issue before the actual filing. What do you guys think?