Cash advances before bankruptcy
I have no job. I have been paying for my rent and groceries and stuff out of a line of credit which now is almost $20000 in the hole. I have other lines of credit and credit cards with balances of $0 that I can dig into if I wish (total credit limits for these is approximately another $15000). I have no assets other than tv, furniture and stuff which at garage sale value is less than $4000. I know that if I were to take cash advances from my other lines of credit and credit cards totalling $15000 today, and then declared bankruptcy tomorrow, I would be in major trouble for fraud, but here is my question….. what if I were to take these cash advances today, and wait a year before declaring bankruptcy, and use this cash I have to pay the rent and groceries and stuff for a while I look for a steady job. I would just let the creditors harass me on the phone for this money for a year since they can’t take anything from me anyways as I have no assets. If I went this route would I still get in trouble for fraud? Thank you.