I am not aware of any law that requires one to "hold the money for 90 days". What you may be thinking of is the right of a Bankruptcy Trustee (or the Debtor-In-Possession) to recover a preferential payment under 11 USC 547. Generally, in a consumer case, payments to an unsecured creditor (including a judgment creditor) that total $600.00 or more, made within the 90 days prior to filing bk, can be recovered. In a business case the amount is just over $5,000.00.

