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>The para-legal suggested I wait 3 months to file since I had used a credit card and I don't want it to be treated as fraud.

There is a period that you have to wait before filing a Chapter 7 or they can charge you with intentionally running up the debt. I filed Chapt. 13 so I didn't have that problem.

I had a $5k line of credit attached to my checking account when I filed (in addition to $6k on a VISA with them)....I'm still with Wells Fargo so it isn't like they can retaliate against you or anything.

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