Question about creditor notices?

[Ifonly]

I've had several creditors tell me (after I've called them with case #, etc. upon receiving collection efforts) that they haven't received notice from the court. I know they were on the creditor matrix because I was like Santa with his list - checking it once and checking it twice.

I've had several people complain to me that I'm "unwilling" to fax them a copy and therefore they will not put my account into BK status. I tell them that I don't have access to a fax machine and here is the information and I'm sure my lawyer can fax them whatever they need.

My question is this, Should I be concerned if a creditor doesn't act and never puts my account in BK status on their end? Aren't they just screwing themselves? If a year from now, they try to sue me for the debt, aren't I protected?

I guess I'm wondering if I can stop making these phone calls and just start looking out for myself. I feel like I'm being too nice and wasting alot of time and energy only to get verbally harassed.

[BigJohn]

I would say this a common excuse by creditors. Another excuse is the person working for the creditor or collection agency claims they were not personally notified.

[AngelinaCatHub]

All you have to do is tell them your case number when they call you. You do not have to tell them anything further or call them up yourself. Don't wast your time, they know the law better than you and guess what? THEY LIE!

If you use PACER, check it for the mailing of the suggestion of bankruptcy document. You need do nothing further about the creditors. 'Hub

[justbroke]

I tell them... "if you don't know how to handle a Bankruptcy Case, I suggest you put a supervisor or someone who knows how to handle it on the line. You are, now, in violation of the Automatic Stay by continuing to pressure me to make a payment! What was your name again, so I can include it in the Motion for Order to Show Cause and for Sanctions?"

That usually gets them.

I have talked to several very high profile firms that represent creditors. They indicated the same but immediately took my case information and said that they will not call anymore. In fact, one told me that they were so behind on all the Bankruptcy filings, that it was taking 3 months (90 days) for the cases to be entered into the system!