Happy New Year! My husband was just laid off & we have to file for bankruptcy bc we cannot afford all the minimum payments on about $45,000 in CC debt. I am disabled & don't make much $ either.

He also worked out of town & actually bought a motor home that is 1800 a month. We almost were fined at our primary residence for code violations keeping the monster on the lawn. So it's in a safe parking lot of someone he knows now.

How long do we have to wait after using the last credit card we are going to file against? I have been told legally we would qualify for a ch7.

However, I must stop making any payments now bc a ch.7 is 1,500 & about 400 to file.
Husband is on unemployment. (just an fyi)

Will the creditors get a judgment against me before I can qualify to file? bc I used the CC for some $1800 in December-bc we have no more savings to have kept the bills current.

I am very frightened that I may not have even a car to live in. Any advice would be so very appreciated!