We had met the trustee for the first time in april and file the end of june. Had to change banks and all automatic withdrawals, and I wanted to make sure that all withdrawals had stopped at the other abanks before I filed. As soon as we met with the trustee and made the decision that we were filling, we stopped making payments. We savecd some money (in an enveloppes niot at the bank). The called strated within three weeks and I just told them that we had met with the trustee and we would be filling a proposal within the next months, and to my surprise most iof them wish me luck and were undestanding.
If catching up was with utility then this might be a good idea to ge these paid before you file.
Good luck and the sooner you sign, the sooner you and your wife can thing about enjoying life and not to worry about $$