Original Creditor vs. Collection

[Flaminblonde]

I have a couple of ???'s. First, If you list your original creditor, do you also have to have all the collection agencies that have had it or sold it to other CA's? I've got a few...but I know they are constantly selling them off.

Second. I have tons of student loans. I won't finish school for another year and a half. But I'll have to pay those back. I know I can't file them, but I do I list them on my living expense sheet NOW...or not include them at all?

Currently I am a temp employee with a limited income not to exceed Sept. But after Sept, I'll be employeed with the new company that will be picking me up...raising my annual income by almost 13K. Should I give them the paperwork that shows I'm a temp employee? Hoping that they don't try to convert me to a 13 if they can prove some of expenses are to much?

Thanks!

[EdytaHome]

If you file now, you need to show the court your "current financial position" not the position you'll be in September. You should be done with the bankruptcy by the time your pay increases anyway. I wouldn't worry about it.
Since you're not paying on your student loans right now, you can't list them under your expenses. You will need to list all student loans on your scheduale which outlines all your current debt, even though they are not dischargeable.
As far as the collection companies, to be on the safe side, list everything!!! The best way to do this is to pull your credit report and see who is on there.
Good luck!