Hi all,
Thanks for being here! I can’t begin tell all the good folks here how much you have already helped me.
My attorney did a “quick file” (Dec. 12th) on my chapter 7 (no assets) which just included my Creditor Matrix-mailing list and a couple of pages. I have 10 days left to file the rest of the schedules. The one I am concerned about is the Schedule F – Creditors Holding Unsecured Nonpriority Claims.
A little background first:
My attorney appears to have turned my case over to his secretary / assistant. A nice young lady that is likely doing the best she can. My first red flag came was when I received her first draft. Going from my credit reports, she only included items on the Matrix and Schedule F that showed a balance. This left many of the original creditors off the BK, as many accounts have been sold / charged off, and show a 0.00 balance.
After reading the forum here, I sent her an email listing all the original creditors with 0 balances to add to the BK. She kindly did so. Then after reading more here on this forum, I had her add the collection agencies that have sent me mail demanding payment. She happily added these as well.
I double checked her Matrix before she did the “quick file”, it matched my list.
Now I need to put together the Schedule F for her before she files the rest of the petition this week. I’ve got a gut feeling that all she has really done is update my Matrix / mailing list and doesn’t have a clue as how to set up the Schedule F. As a precaution I’d like to send her an updated Schedule F before she files the rest of the petition. (email it to her so she can copy and paste like she did with the Matrix)
32 different creditors are listed on the Matrix-mailing list and there are only 13 on the Schedule F. From what I’ve read here on the forum it sounds like these numbers should be much closer together.
I’ve come to understand that 0 balances are acceptable on the Schedule F and to denote them as “duplicate claim” or "Representing XyzCompany"
If the account has been sold I should follow the format SinkingFast outlined in this thread:
http://www.bankruptcyforum.com/showthread.php?t=10120
“List Chase and their address 1st. On your Credit Report it will tell when you opened the acct. In the Center Column say MasterCard Charges 1998-2006 or whatever the dates. Then the $$'s under Amt of Claim.
In the next box/line down, say "Representing Chase", center column list Whatever Collections and their address. Leave Claim amt blank.
Do that however many times that Chase acct changed hands prior to getting to CACV.
Next line down, say "Representing Chase" again, center column list CACV and their address. Leave claim amt blank again.”
Please comment if you have any further suggestions for me and my perky little bubble gum smackin helper to consider. The clock is ticking fast on this one. With Christmas falling in the middle of this, I think I better get this to her Wednesday morning at the latest.
I rushed into BK because of a lawsuit. I wish I had found this forum earlier, and planned ahead better. I would have done the entire petition myself then hire an attorney to review, represent and submit.
Thanks folks!
ChainSmokin
Thanks for being here! I can’t begin tell all the good folks here how much you have already helped me.
My attorney did a “quick file” (Dec. 12th) on my chapter 7 (no assets) which just included my Creditor Matrix-mailing list and a couple of pages. I have 10 days left to file the rest of the schedules. The one I am concerned about is the Schedule F – Creditors Holding Unsecured Nonpriority Claims.
A little background first:
My attorney appears to have turned my case over to his secretary / assistant. A nice young lady that is likely doing the best she can. My first red flag came was when I received her first draft. Going from my credit reports, she only included items on the Matrix and Schedule F that showed a balance. This left many of the original creditors off the BK, as many accounts have been sold / charged off, and show a 0.00 balance.
After reading the forum here, I sent her an email listing all the original creditors with 0 balances to add to the BK. She kindly did so. Then after reading more here on this forum, I had her add the collection agencies that have sent me mail demanding payment. She happily added these as well.
I double checked her Matrix before she did the “quick file”, it matched my list.
Now I need to put together the Schedule F for her before she files the rest of the petition this week. I’ve got a gut feeling that all she has really done is update my Matrix / mailing list and doesn’t have a clue as how to set up the Schedule F. As a precaution I’d like to send her an updated Schedule F before she files the rest of the petition. (email it to her so she can copy and paste like she did with the Matrix)
32 different creditors are listed on the Matrix-mailing list and there are only 13 on the Schedule F. From what I’ve read here on the forum it sounds like these numbers should be much closer together.
I’ve come to understand that 0 balances are acceptable on the Schedule F and to denote them as “duplicate claim” or "Representing XyzCompany"
If the account has been sold I should follow the format SinkingFast outlined in this thread:
http://www.bankruptcyforum.com/showthread.php?t=10120
“List Chase and their address 1st. On your Credit Report it will tell when you opened the acct. In the Center Column say MasterCard Charges 1998-2006 or whatever the dates. Then the $$'s under Amt of Claim.
In the next box/line down, say "Representing Chase", center column list Whatever Collections and their address. Leave Claim amt blank.
Do that however many times that Chase acct changed hands prior to getting to CACV.
Next line down, say "Representing Chase" again, center column list CACV and their address. Leave claim amt blank again.”
Please comment if you have any further suggestions for me and my perky little bubble gum smackin helper to consider. The clock is ticking fast on this one. With Christmas falling in the middle of this, I think I better get this to her Wednesday morning at the latest.
I rushed into BK because of a lawsuit. I wish I had found this forum earlier, and planned ahead better. I would have done the entire petition myself then hire an attorney to review, represent and submit.
Thanks folks!
ChainSmokin
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