ohmy, you are the one scaring people, give me a break, federal prison?? the op did nothing wrong, does his cc disclosure say he cant advance and invest it?although if he could have made a couple more payments would have been better.... proving INTENT, is like proving or disproving a back injury or whiplash,its almost impossible.... and believe me i know about them, i have been in 4 rear ender accidents on the great los angeles freeway system,which helped my early retirement, my lawyers sent me to doctors that specialize in "back injurys" if the op has any problem it would be temporary insanity, for investing now. isnt stock market 101, buy low-sell high. and buying on margin when market is swinging like that, come on. tell bk attorney to claim temp insanity. my other problem with the op is he lives in ga. which along with northeast florida, is notorious for being ultra right wing conservative, he wont get the same fairness he would get in california, which is the most liberal state in the union. and yes i filed bk twice, once in 1971 and in 1982, so 3k then was worth a lot more, and i pushed the envelope on both bk.s and had noo problems, the only reason i havent filed 3 more times is i learned how to make myself judgement proof, and so far havent had the need to file again. i would hope the op will update us when he sees a bk lawyer, as you are soooo wrong on the intent issue....

