One thing you definitely have to be careful of is not to do any credit card balance transfers within 90 days of filing bankruptcy.

Making cc charges before bk is also a concern to the judge particularly if you make a bunch (the more you make, the more concern) & the closer to bk that the charges are made the more concern. It's best not to make any (as your lawyer told you) if you know you are going to be filing for bk. Your one small charge 9-08 & filing 12-08 plus paying the amount charged on the card that day will probably be ok. Just follow your lawyer's advice & before you do anything you are not sure of, talk to him.