Smart Timing with the Presumptions of Fraud
You can avoid the presumptions of fraud, and so discharge more of your credit card debts, by timing your bankruptcy filing right.
Timing: Writing Off Recent Credit Card Debt
Using a credit card shortly before filing bankruptcy doesn't seem right. The law agrees. Writing off this kind of debt can be a problem.
New Thresholds for a “Luxury” Purchase or Cash Advance to Be Presumed Fraudulent
Creditors will be a little less likely to challenge the writing off of recent uses of credit.
Bankruptcy Timing and the Holidays: The “Cash Advances” Presumption of Fraud
If you can, don't do cash advances during the holidays if you're contemplating filing bankruptcy. If you do, understand the rules about them.
Making Sense of Bankruptcy: Defeating Challenges to the Legal Write-off of “Luxury” Purchases and Cash Advances
Understanding the most common kinds of "fraud" challenge to the discharge of your debts will enable you to avoid these challenges.
Risks Now Reduced for Being Accused of Fraud for Cash Advances and Purchases of “Luxuries”
Because of financial tweaks to the Bankruptcy Code, as of April 1 you are a little less likely to have to repay some of your recent use of credit cards.
Defeating Creditors’ Accusations That You Misused Their Credit to Pay for the Holidays
The risk that creditors will not allow you to discharge some of their debts can be minimized through smart timing of your bankruptcy.