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I file BK petitions and attend hearings almost every day.
October 17th is the deadline. Chapter 7s will be very difficult to qualify for after that date. 90 days is the credit card trigger, but it can go back further is they suspect fraud (ie, I'm gonna buy a bunch of shit right before filing for BK). This type of fraud is dischargeable, however, in Chapter 13 - a minimum 36 month payment relationship where you pledge all your disposable income.
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