Bankruptcy and Debt Money in Account

[sunryse1]

My question involves bankruptcy in the state of: Oregon
My husband and i are in the process of filing a chapter 7 but i have concerns. My attorney said to stop paying the creditors now even though she can't file for 2 months because of the 60 day rule of no charging ( which we did because we live on the cards after the payments are all made there is no money left). I was told there can't be more then $800 in the account at time of filing. There will of course be more then that because we are no longer paying the credit cards or hospital.
What are we suppose to do about the money? Can the judge deny our bankruptcy because of that?

Also, I am so afraid of losing my home though we have never been late on any payments and there is no equity in the house.

Thank you for your time.

[Mr. Knowitall]

I expect that your lawyer is concerned about preference issues, as you apparently do not have the resources to pay all of your bills and thus would be giving preference to select creditors over others.

The means test for Chapter 7 bankruptcy is described here - it looks at income and expenses. Are you talking to somebody other than your lawyer?

[sunryse1]

We did the means test and qualify. I have spoken to friends about the bankruptcy and my attorney but that's all. Oh and I called one of those debt management companies but learned they are a bit of a scam.
She did mention about preference.

[Who'sThatGuy]

Take the money from the bills that your no longer paying and buy food. You can also fix up all the little things on your vehicle and home that have been bugging you.