Legal Question in Bankruptcy in Pennsylvania

You should have no issue at all in a bankruptcy from paying for expenses with cash rather than with credit. In fact, you've done yourself a HUGE favor by doing that; no one can come after you at this point claiming fraudulent use of credit cards (one way that creditors can object to a discharge is by claiming the debtor used their credit cards in anticipation of discharging the debt in bankruptcy, thereby getting something for nothing; since you haven't used them for a year, you're not likely to face such a challenge).

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