Finding Credit Card #'s - How?

[LAKERHIGH]

Anyone know how to find your complete credit card number(s)? Filing C7 and some of my credit cards I do not have from the past. I looked on my credit report, but it only gives partial numbers. Do I need the full credit card number for C7 purposes? Also, when I list the credit card name, is it ok to list their payment address as their address (info my attorney needs)?? Thanks all

[Flamingo]

From your credit reports look up the contact information of the company(ies) from which you need past account numbers and call them and explain the situation. Due to identity theft issues, you may need to provide them with certain personal information to get your account number. Otherwise, unless you have past statements somewhere or have your original credit agreement/account statement or the actual card, there is no other way to obtain the account number. You need the full number and mailing address for each credit for bankruptcy purposes. Do not list the payment address for the creditor as it may delay or cause non-receipt of the information sent to the creditor by the Court. Look up the creditor online as to their contact information and many list an address where to send bankruptcy correspndence or their main correspondence address; if necessary, call them to obtain a correspondence address. It may also be listed on the back of your billing statements.

[epiphany]

Just curious Flamingo, you say don't list the payment address for the creditor. I asked my lawyer which address he wanted, and he said the payment address.

I've seen different opinions on this but would love to know exactly what is correct? Or maybe there's no definitive answer?

Thanks,
EP

[Flamingo]

Just curious Flamingo, you say don't list the payment address for the creditor. I asked my lawyer which address he wanted, and he said the payment address.

I've seen different opinions on this but would love to know exactly what is correct? Or maybe there's no definitive answer?

Thanks,
EP

It was listed on our instructions when filling out the creditor information not to list the address at which you send your monthly payment. On the back of your bill is usually listed another address for correspondence or a number to customer service. You can call customer service to obtain the correspondence address or you can look up the information online. The problem with listing the payment address is that there can be nonreceipt or late receipt of the correspondence by the creditor since court documents are going to a payment address, which can be quite different from the correspondence address. Some creditors online even list an address for bankruptcy matters.

[epiphany]

It was listed on our instructions when filling out the creditor information not to list the address at which you send your monthly payment. On the back of your bill is usually listed another address for correspondence or a number to customer service. You can call customer service to obtain the correspondence address or you can look up the information online. The problem with listing the payment address is that there can be nonreceipt or late receipt of the correspondence by the creditor since court documents are going to a payment address, which can be quite different from the correspondence address. Some creditors online even list an address for bankruptcy matters.

Thanks. Think I'll pester my lawyer again.

EP

[FreshLikeADaisy]

Ep, Flamingo's 100% right, but it comes from the days when everyone was notified by mail. Anymore, if it's a larger creditor chances are good they will be notified electronically anyway, so don't sweat it too much. Many companies sign up for this electronic notification through the bk courts.

It's really only a big deal for a smaller creditor whose only notice will be via mail, and so you don't want to use the payment address because you don't want that notice going through their payment processing center (which might even be outsourced!): if you use that address they may only get it weeks later, if at all.

Lakerhigh, you ARE allowed under the new law to use partial account numbers, especially if those accounts are still active (esp. bank accounts for example). If the best you can come up with after a legitimate effort is a partial account number, then use that. Keep in mind that your trustee can request needed info from a creditor as well as from yourself, so don't kill yourself looking for complete numbers if you absolutely don't have them; use redacted numbers as shown on your credit bureau in a pinch. Be sure, though, that if you have multiple accounts at a single institution (like two Wells Fargo credit cards, for example) that you differentiate them somehow -- that's where whole account numbers really help. Also, if you have even one old bill or receipt that may be enough to get the whole # from. Good luck!!!

[Teddy]

I pieced mine together from my credit report and I also have online access to all of my cards which listed the last 4 digits.