When should you stop using credit cards if you're filing for bankruptcy?
Timing matters when filing bankruptcy and using your credit cards at the wrong time could jeopardize your case.
Last updated: 2026-01-24 07:32:32 ET
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Timing matters when filing bankruptcy and using your credit cards at the wrong time could jeopardize your case.
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Getting the timing right can mean the difference between a successful bankruptcy and one that leaves debts behind.
This bankruptcy timing rule could determine whether you keep recent payments or lose them to creditors. Here's why.