Legal Question in Bankruptcy in California

Re: bankruptcy

No. As you have decided to file bankruptcy, you know that you are insolvent and, using credit cards -- i.e. borrowing someone else's money without having the ability to repay -- could be seen as fraud. This presumption, by the way, stretches back three to six months.

However, if you are filing, then payments on a portion of your debts will be under your confirmed Chapter 13 plan, except for your ordinary living expenses, perhaps car and house payments, etc.

Have you considered a Chapter 7?