After an individual decides to file bankruptcy, the individual may not purposely incur additional debt. For example, an individual that is going to file for bankruptcy must not continue to use credit cards or takeout new loans. An individual that is going to file bankruptcy may also not treat any creditors preferentially. For example, the individual may not pay family members back for loans instead of paying a credit card debt. All unsecured creditors must be treated equally. Continuing to pay for living expenses and insurance is always appropriate.