Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - In regard to bankruptcy in Illinois,how old does your debt have to be? - Every place I have read says 90 days. Talked to my lawyer today to ask a question about filling out forms and she flipped out when she found out I used cards in in December. (Tried to tell her at 1st meeting!) Now she wants 6 months of statements for all debts. Am I in deep doo-doo, or is it really just 90 days (wont have $$ to file for another month = after 90 days).