We want to file for bankruptcy, I know we qualify for chapter 7 since my husband is the only one that works at the time(for the past 7 months) and we are below the median "test"(can't remember how it's called), we also dont have extra money after we pay rent,utilities,car and insurance. I live in Florida(just in case someone needs to know)
We don't own nothing bc we've had to sell the little things we have so we can make it through. My question is...Yesterday my husband said he wants to file for BK bc he hasn't been able to pay the credit cards for the past 5 months(I'm currently ill and can't work), he has a Kays Jewelers card that had a $0 balance bc we never used it and my mom asked to borrow the card and she would pay it. So last week she charged almost 1500 bucks on it and I want to know if that will affect our BK case? I found this on the web and now I'm concerned
Luxury Goods Not Dischargeable
The amount of non-dischargeable debts incurred to purchase “luxury” goods has decreased. This means that if a debtor spends $500 or more on items that are deemed to be luxuries within ninety (90) days, those debts (if they are to a single debtor) are not dischargeable in bankruptcy and must be paid in full.
She said she would pay and I believe her but can this afect a discharge? or should I tell her to return what she bought since Kays has a 90 day return policy.
Also, what is my first step for bankruptcy...See a BK lawyer or take the credit counceling?
Thanks!

