When should I stop using my credit cards if I’m planning on filing for bankruptcy?

As soon as you anticipate filing bankruptcy, stop using your credit cards. Bankruptcy law allows the review of questionable purchases for potential fraud. Purchases made and cash advances taken close in time to filing bankruptcy may be suspect for fraud.

• Contrary to what you may have read, there is technically no SAFE HARBOR as far as usage of credit cards go.  Even charges preceding a bankruptcy filing by more than 90 days CAN BE EXAMINED for fraud.