Seems obvious, yes? Not to everyone. Use of a charge card without the intent to repay is fraud, whether charging a purchase, or making a cash advance, or using a convenience check.
If the bankruptcy need is immediate, ask your attorney about a Chapter 13 filing with an affordable retainer and monthly payments. You avoid fraud. You avoid an accusation of a bad faith denial of your bankruptcy discharge of debts. You stay out of trouble. That’s a good thing.
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