What Bills Can I Stop Paying Before Filing?

A free guide for New Jersey residents considering bankruptcy. Filed in D.N.J..

What You Need to Know

Before filing bankruptcy, you can strategically stop paying unsecured debts like credit cards and medical bills. Keep paying your mortgage, car payment, utilities, child support, and alimony. Be aware of the 90-day preference period -- large payments to specific creditors before filing can be clawed back. Do not take cash advances or make luxury purchases on credit cards within 70-90 days of filing.

Filed in D.N.J.. Courthouse: 50 Walnut St, Newark NJ.

Frequently Asked Questions

What Bills Can I Stop Paying Before Filing?

Before filing bankruptcy, you can strategically stop paying unsecured debts like credit cards and medical bills. Keep paying your mortgage, car payment, utilities, child support, and alimony. Be aware of the 90-day preference period -- large payments to specific creditors before filing can be clawed back. Do not take cash advances or make luxury purchases on credit cards within 70-90 days of filing.

Does this apply in New Jersey?

Yes. This applies to D.N.J.. Local trustee practices may vary. Consult a qualified attorney.

Where is the courthouse?

50 Walnut St, Newark NJ.

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