New Here Need Help

[NOMOREBADCREDIT]

NEWBIE here hi all i just filed my ch7 pro se question. I have a credit card that iam paying on time but now iam having a hard time paying now on the credit card which has a payment due monday i didnt list the credit card in the bk how can i list it in the bk before it reports late on my credit report. also i need to list some other items.

[SinkingFast]

You'll need to amend your Petition.

Different Courts have different rules about how they want the Petition amended. Some Courts want the whole Petition resubmitted with Amended clearly noted on the Schedules and Forms you're updating. Other Courts want only the amended Schedules and Forms resubmitted with the changes you're making.

You need to refer to your Court's home webpage and see if the Local Rules are posted there. The Local Rules may detail what you need to do. Or, try calling the Clerk of the Court's Office. The Clerk's Office will also tell you what you need to do.

There's a $26 fee to Amend your Petition.

Just an FYI for you,............ Trustees don't like to see a ton of Amendments. The payment due Monday won't post as "Late" on your Credit Reports until you're 30 days past due.

Slow down. Take your time. And make sure you get everything duly noted this time.

[NOMOREBADCREDIT]

do i need to call the credit card company and tell them i filed ch7. also my credit card has a high bal. this is a stressful time.

[SinkingFast]

do i need to call the credit card company and tell them i filed ch7. also my credit card has a high bal. this is a stressful time.

When you amend your Creditor's Matrix, the Clerk of the Court will mail that Creditor, and any other Creditors you add, a Notice of your filing.

If you haven't already,........... go to http://www.annualcreditreport.com and pull all 3 of your Credit Reports and print them out. It's free. Check to be sure you've listed ALL of your Creditors.

[lrprn]

do i need to call the credit card company and tell them i filed ch7. also my credit card has a high bal. this is a stressful time.

No, you don't need to call them. When you add them to your filing, the court will notify them and as a pro-se filer, you will send them a notification letter.

Also chances are when your payment is late, this creditor is going to call you. That's when you tell them that you filed Ch 7 and give them your case number. Done!

There's no gold stars being passed out for being nice to your creditors, so don't waste your precious energy stressing over this. Our creditors see what we owe them as just business - you need to see it the same way. No emotions allowed.

[NOMOREBADCREDIT]

When you amend your Creditor's Matrix, the Clerk of the Court will mail that Creditor, and any other Creditors you add, a Notice of your filing.

If you haven't already,........... go to http://www.annualcreditreport.com and pull all 3 of your Credit Reports and print them out. It's free. Check to be sure you've listed ALL of your Creditors.

when i make the changes will it change my 341meeting date. my date as of now in sept.thanks

[CindyLou]

you will be responsible for any charges made since your bk and possible quetioned about any charges just prior to your bk if made for non necessity charges, so be prepared for that. I wouldn't mention ANYTHING, but add them and be mentally prepared.

[JRScott]

when i make the changes will it change my 341meeting date. my date as of now in sept.thanks

It will not change your 341 meeting. They may have additional time granted for them to raise objections if it is less than 30 days away. So it will delay your discharge slightly is all I think.

[cathywhite4495]

When you do your amendment, make sure you add everybody you might have missed. You have to put down every debt that you owe even if you are current with payments. The only accounts you don't have to list or the ones where you have a zero balance. Like SF said, get your credit reports and make sure you got everybody.

[NOMOREBADCREDIT]

When you do your amendment, make sure you add everybody you might have missed. You have to put down every debt that you owe even if you are current with payments. The only accounts you don't have to list or the ones where you have a zero balance. Like SF said, get your credit reports and make sure you got everybody.

My credit card is Orchard secured card it has a high bal. it will go into late payment tomorrow.

[NOMOREBADCREDIT]

When you amend your Creditor's Matrix, the Clerk of the Court will mail that Creditor, and any other Creditors you add, a Notice of your filing.

If you haven't already,........... go to http://www.annualcreditreport.com and pull all 3 of your Credit Reports and print them out. It's free. Check to be sure you've listed ALL of your Creditors.

I have got my credit reports today sould i start working on them. Also I notice that one of my accts was sold to a diffrent collection agency now two diffrent collection agencys are reporting but I only listed one in ch 7. do I have to list the other collection agency? thanks everyone.

[JRScott]

I have got my credit reports today sould i start working on them. Also I notice that one of my accts was sold to a diffrent collection agency now two diffrent collection agencys are reporting but I only listed one in ch 7. do I have to list the other collection agency? thanks everyone.

As a precaution if you've not amended it to include the Orchard card yet, just add the new collection agency at the same time.

However so long as you notified one in the chain its suppose to be discharged. (My lawyer sent as many as 4 letters for the same debt to different agencies, gotta say he was efficient, noone has erred in my case so far and tried to contact me).

[NOMOREBADCREDIT]

As a precaution if you've not amended it to include the Orchard card yet, just add the new collection agency at the same time.

However so long as you notified one in the chain its suppose to be discharged. (My lawyer sent as many as 4 letters for the same debt to different agencies, gotta say he was efficient, noone has erred in my case so far and tried to contact me).

Thanks the Orchard card the bank closed it before i listed it in ch7 just found out today.

[CoCoChanel]

when i make the changes will it change my 341meeting date. my date as of now in sept.thanks

Man, talk about thinking the same thing, I was just wondering that myself. I know that many times there have been threads about all or most of what we ask, but if you guys could just have some mercy on us newbies, its sure would be most appreciated. I think I read that creditors will be sent all the new information you add to your case, but it was not clear if it would change your meeting. Keep reading the post here, the answer is in one of them I am sure.

[familyof7]

Adding a creditor to your case does not change or affect the 341 meeting. The creditors have 60 days after the 341 to file any objections. Some creditors even if they are not listed especially big cc companies will find out about the bk because they periodically check your credit and once they see it they usually close the account and list the debt as in bk.