Re: two questions about bankruptcy

Is the new loan "secured" by auto, house, co-signer, etc.? Credit
card usage - each case can be reviewed by the trustee (I believe) for
up to the past year. The court will be looking for deliberate use of
the credit card while you anticipated filing bankruptcy . . .
constituting credit fraud and definitely not dischargeable. Even if
your last usage of that card was 6 months previous, but for totally
frivilous purchases and exorbant amounts, the discharge of that debt
MAY be fought by the creditor. Unless there was obvious misuse,
generally the creditor doesn't file a proof of claim or attend the
Creditor's Meeting. Just my understanding from my research to
represent myself pro se - I'm not trained in the legal profession.

--- In , "mitchspad"
wrote:
> Does anybody know...
>
> 1. Is an education loan elgible for bankruptcy if it has been
> consolidated to a new lender? I originally had a state school loan
> and a federal school loan. They have been consolidated with a
private
> lender and the original loans are both paid off. Can I include the
> new loan in a bankruptcy?
> 2. I heard that credit cards have to be idle for 90 days before you
> can file on them. Is this true?
>
> Broke in Oregon...