I am listing citibank as one of my creditors. A collections agency is comming after me for the amount owed to citibank. How do I list these when filing? Citibank only? both? or what?
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You need to list all unsecured and/or secured debt, you cannot pick and choose!
CatchmeifyoucanJuly 2006: Filed Ch13 :blink:
Oct 2006: Converted to Ch7 :clapping:
Jan 2007: DISCHARGED :clapping:
Nov 2007: CLOSED :yahoo::yahoo::yahoo: -
You list both the original creditor and the collection agency. Basically you are just making sure that everyone gets a notice of your BK. Let them work out their own reconciliation. That is their problem. Not yours. Your responsibility is to makesure they are on the list, so they get mailed a copy of of your BK.
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What I did and it was on the advice of our attorney was list the original creditor, the address of their legal dept. if available and the account number and balance. Then right underneath that OC I listed the collection agency/law office it was currently with, address, account number and amount and put "collecting for (OC's name)". That way both the OC and the collection agency collecting on that debt both were notified."Try to save money. Someday it may be valuable again." - AnonymousComment
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Then you have covered all your bases. Everything should be just fine.Originally posted by BKTango View PostBankruptcy History:
Chapter 7 filed - 10/12/2005 - Asset
Discharged - 02/16/2006
Case Closed - 11/08/2007
A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain ~ Mark Twain
All suggestions are based on personal experience and research and SHOULD NOT be construed as legal advice as I am NOT an attorney. Always consult with competent counsel in your area with regards to your particular situation.Comment
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List Citi with their address, dates you've had the acct, MC or Visa charges, and the $$$ amount of the debt first.
On the next line below that, in the first column that says, Creditor's Name, Mailing Address, etc", write "Representing Citi". Next box to the right on that line, fill in Citi on the first line. Then c/o, and fill in the CA's name, mailing address and such. You don't have to post the $$$ amount.
For CC's where you might have several CA's, just repeat the instructions above.Filed Ch 7 - 09/06
Discharged - 12/2006
Officially Declared No Asset - 03/2007
Closed - 04/2007
I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.
Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...Comment
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List everything and everybody. Anyone who pursues you as a collection agency you list as a duplicate claim.Comment
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