Live in Texas. Credit score is 720. To date, never late on any credit, house, or car payments. Iíve been using my credit cards to pay for food, utilities, etc. after becoming unemployed. I had to borrow money from a relative to help me pay my property taxes with the agreement to repay as soon as I received my income tax refund check. At the end of February, I paid back relative as agreed; I also continued to make additional monthly payments to all other creditors. Now struggling with paying on credit cards, I decided itís time to file chapter 7 before I go beyond 30 or 60 days late with payments and preventing derogatory marks on my credit reports lowering my current 720 credit score. I was told, due to making that payment to my relative in February, I had to wait 6 months before I can file. Is there something I can do to expedite the process, because by the time I get into bankruptcy court 6 or 7 months from now, my credit score will be horrible by defaulting on all payments to credit cards over 180 days.