Different 'Schedule F' Amounts

[abby2]

We thought the balances on schedule F(unsecured creditors) were up to date & listed correctly. But -the late fees,the over the limit fees, the finance charges, and any other BS fees the cc companies decided to add on changed the total of the balance owed. We have filed. Will this have any effect when it comes time for the unsecureds to file their claims?? It is about $2400 difference.

[lrprn]

We thought the balances on schedule F(unsecured creditors) were up to date & listed correctly. But -the late fees,the over the limit fees, the finance charges, and any other BS fees the cc companies decided to add on changed the total of the balance owed. We have filed. Will this have any effect when it comes time for the unsecureds to file their claims?? It is about $2400 difference.

It's very common for non-secured creditors to state they are owed more than what you thought they actually owed when you filed. Almost every one of our creditors padded what we saw on their final bills before we filed. If your lawyer was to challenge the amounts, it would be difficult to prove the creditor isn't due what they say they are - that effort alone might cost $2400

$2400 is just not worth going to war over when you are going to discharge much more than that plus have peace and quiet for five years while you do so. Think of the $2400 as an extra $60/month for peace of mind.