Originally Posted by phonesex

GFED,

Some advice...

1. There is going to be some changes in the way bankruptcy wipes out your debt. Find out when the deadline is from a bankruptcy attorney.
2. When filing bankruptcy, creditors will argue that you new you were going banktrupt and went ahead and bought new things and charged up your cards, etc. I suggest that whatever you have left on your credit cards as far as credit, you use it for business purposes - if you know what I mean. That way, its justified.
3. You can take a chance and write checks to your credit card companies, wait to your credit card company posts the check to your account and free up credit. You can then go and spend more money :-). By the way.. you never had any money in your checking account to clear those checks.
4. If you have any cars for the repo man, hide them. And if the repo man tries to scare you, tell them to go fuck themselves. If the bank hires a local attorney to get it, wait until the last few days then hire an attorney. You'll be driving your car for for awhile for free.
5. If you can apply for credit, then do it. Worst case scenario you have to pay back a percentage. Think of it as a big sale on anything you buy.

Have fun!