Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
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The rule is debt for luxury items - including gifts - is presumed to be non-dischargeable if you charged more than $600 to any one creditor within the 90 days before filing a Bankruptcy.
$600 for any one creditor.
$600 total for any one creditor.
It does not matter if you charged more than $600 total, as long as you did not charge $600 with any one creditor.
Did you charge $600 or more with any one creditor recently?
If you used the credit cards to live, that does not count. The problem is only with the purchase of things you did not need - including gifts.
If you used the credit cards for every-day necessities, it does not matter how much you charged.
Every-day necessities, such as food, rent, gas, utilities, etc.
Cable, internet also.
If you need to car to get to work or school or for groceries, etc.