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Questions about my BK than im all set for discharge

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    #1

    Questions about my BK than im all set for discharge

    I have these 2 bills that popped up very shortly after i filed Chapter 7 in April of this year. One is for Travelers Insurance for $480 for auto insurance that I used for one moth and got charged crazy fees. The other is for my Sprint cellphone which is $750. I know I have the option of adding them to my unsecured creditors list for a $26 fee, but since my 341 is already done is it too late for this?

    I don't want my discharged to be delayed if I do this and im just wondering is there another way to get around this. If I call Sprint and Travelers up and tell them I filed and give them a case number is there a chance they could just delete it from their system? Or might they go to my Bankruptcy court and delay my discharge by objecting?

    Any Ideas
    08/01/2007 Discharged Chapter 7 Pro Se
    8/04/2007 Case Closed
    8/8/2007 Bought New Car 2005 Nissan Altima 27k miles Capital One Finance 25% APR
    8/19/2007 Disputes for 3 Bureas finished, score right now ???????????????????
    Tags: None
    #2
    Can someone answer this for me please (ProSe)
    08/01/2007 Discharged Chapter 7 Pro Se
    8/04/2007 Case Closed
    8/8/2007 Bought New Car 2005 Nissan Altima 27k miles Capital One Finance 25% APR
    8/19/2007 Disputes for 3 Bureas finished, score right now ???????????????????

    Comment

      #3
      First question, did you obtain the debt before your after you filed? Not when you were billed, when the debt occured. If it was before the date you filed, then it can be included, if it was after then it can not be included.

      If the debt happened before you filed, you can call these companies and let them know you filed and on what date, case # etc. I had a bill come in I wasn't expecting but the debt occured before filing date and this is what I had done and they just said thank you and left it at that. I never bothered to add it to the matrix. You can if you feel more comfortable that way, but some folks say in a no-asset chapter 7 any debts that occured before filing that are dischargable end up being "considered" discharged even if they were not on the matrix, unless you reaffirmed them of course. So that is up to you. It really shouldn't have any effect on you discharge date at all.

      On the other hand, if these debts occured AFTER you filed, then you are kinda stuck with them. You can't add them in.
      "Try to save money. Someday it may be valuable again." - Anonymous

      Comment

        #4
        Originally posted by BKTango View Post
        .....but some folks say in a no-asset chapter 7 any debts that occured before filing that are dischargable end up being "considered" discharged even if they were not on the matrix....
        This is correct. But as BKTango points out, if it would make you feel more comfortable, it is worth the piece of mind to pay the $26 fee and amend your petition.
        Bankruptcy 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

          #5
          I won't delay your discharge.
          Chapter 7 Pro Se....Discharged Feb. 2006

          Comment

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