A preference may be found when payments are made to creditors within a 90-day period (and sometimes up to a year) before a bankruptcy is filed. Once the bankruptcy is filed, the continued payment of an ongoing obligation such as a car payment is not a preference. See 11 USC Sec. 547. Regularly scheduled car payments or house payments made before a bankruptcy filing will not be treated as a preference, and you may keep making those payments after you file.

