Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - To claim bankruptcy-is it better to late with credit card card payments or caught up? - I am considering filing for Chapter 7 Bankruptcy..I am currently caught up on my accounts (I literally have only been making the minimum payment for about a year now) Someone told me I should at least be late for a couple payments before seeing an attorney..Is this true? I thought I would see an attorney before the accounts get racked up with late fees etc. It is hard to make these minimum payments but I have been trying but it is getting to a point that the minimum is such a struggle. Due to the increased interest rates etc.. -