Am I freaking out for no reason?

[BrokeAzzez]

Ok, so I double triple checked our original schedule as well as our amended (he jacked that one up too) and I see these accounts are on there however they aren't showing on the creditor matrix or the notice of recipients....am I correct in assuming then that they weren't notified? There are two that are not anywhere as well.

[shabam]

Sorry, I pulled our credit reports to ensure that everything on there was indeed filed...I had a bad feeling (due to errors on attorney's part) that some stuff just didn't get included and I decided to cross reference. I know that nothing regarding the BK will show up on the credit reports yet, but I want to have them handy so I can get ready to get them updated later down the road. Sorry If I'm going to two differnet directions, I'm just really frustrated and tired of doing all the work when I paid this guy to handle this stuff.

Forget about your credit report. It means nothing to BK.

You need to look at your actual filing, your matrix, via pacer. If they are not on the matrix then they are probably not listed.

[shabam]

Ok, so I double triple checked our original schedule as well as our amended (he jacked that one up too) and I see these accounts are on there however they aren't showing on the creditor matrix or the notice of recipients....am I correct in assuming then that they weren't notified? There are two that are not anywhere as well.

Definitely a possibility. The matrix is all that counts.

Don't worry about the credit report let alone what is on it yet. You have years to look at that. After all bk is on your CR record for 10 years.

[BrokeAzzez]

These are not showing up on the matrix but were on the schedules. The only reason I am looking at the credit reports is that's where I got all this stuff from in the first place. Everythign on my credit report should have been included in the bankruptcy....

[BrokeAzzez]

I give up ***Throwing hands in the the air*** meeting with attorney on Friday to spend yet more money to get these accounts added in before this closes. Cross my fingers that a second amendment might get it all.

[SubPrimeME]

I give up ***Throwing hands in the the air*** meeting with attorney on Friday to spend yet more money to get these accounts added in before this closes. Cross my fingers that a second amendment might get it all.

I think that the atty's should pull a credit report with you, and go line by line. My atty wanted nothing to do with that, but I think it would help a lot.

[Help!]

I don't have an answer as my creditor matrix was probably the only part of the petition that was accurate. I don't know what your liability is for those debts, but I would add any missing creditors ASAP since it's an asset case.

[BrokeAzzez]

The only asset that the considered was my tax return... 2000 dollars. All else was abandoned. He said he didn't care about my credit reports, but I want to ensure that everything that I owe was included. We shall see. he has yet to respond to my request to verify that the accounts that I provided were or were not included correctly.

[SubPrimeME]

The only asset that the considered was my tax return... 2000 dollars. All else was abandoned. He said he didn't care about my credit reports, but I want to ensure that everything that I owe was included. We shall see. he has yet to respond to my request to verify that the accounts that I provided were or were not included correctly.

Nice, I think there needs to be a quality grade outside of the atty's offices, kinda like restuarants were required to have. I swear so much of what I read on this forum is from atty's just being lazy, not caring or being stupid. I know there are plenty of great atty's out there, but still how does one really know what they are getting?! OK done ranting now...

[TEW]

It is crucial for the debtor to include all creditors in his schedules filed with the court. If a debtor knows of the creditor and does not schedule him, the creditor is denied participation in any distribution; to protect the creditor from this type of problem, the code provides that unscheduled claims may be non-dischargeable.

I just read this somewhere......

that is not correct. all dischargable debt in a chapter 7 no asset case is discharged.

[Tbornetun]

Nice, I think there needs to be a quality grade outside of the atty's offices, kinda like restuarants were required to have. I swear so much of what I read on this forum is from atty's just being lazy, not caring or being stupid. I know there are plenty of great atty's out there, but still how does one really know what they are getting?! OK done ranting now...

I think that the main reason a lot of people end up on a forum like this is if they are having problems with an attorney. I am sure that the majority of people who have a great attorney and whos BKs are going smoothly are not seeking out advice from a forum. This may be the reason why you are seeing so many posts around here about lazy, uncaring, and stupid attorneys.

[Logan]

Why don't you call the creditors and ask them the status of your accounts?

Logan

[OhioFiler]

I think that the main reason a lot of people end up on a forum like this is if they are having problems with an attorney. I am sure that the majority of people who have a great attorney and whos BKs are going smoothly are not seeking out advice from a forum. This may be the reason why you are seeing so many posts around here about lazy, uncaring, and stupid attorneys.

I disagree. I think most members end up here when they begin searching for information on bankruptcy.

I did and have stayed because I know I can expect more honest, more timely, easily understandable answers to my concerns then I'd ever get from an attorney.

Anyone in the BK process who isn't reading here daily is cheating himself.

[Tbornetun]

You just agreed with me, funny how you said you disagree.

Your second paragraph states exactly what I was trying to convey, "I know I can expect more honest, more timely, easily understandable answers to by concerns then I'd ever get from an attorney."

I was talking in general terms. I was speaking of the people posting all over the board about my stupid attorney this, my stupid attorney that. If you searched, I don't think you will find many posts that state. "I have the best attorney in the world, I understand everything they said 100%."

The previous posts were about frustration with attorneys. I wasn't referring to any of the pro se filers or the people you have not yet begun the process and are seeking information.

[BrokeAzzez]

I only came on here beause I wasn't getting answers from my attorney. He is lazy and did the bear minimum to get me through this and yet here I should be excited that I'm discharged and I'm still stressed out because there is still stuff out there that wasn't filed. I lost my tax return becaues he didn't exempt any of it and it was too late. Small price to pay I guess, but I still worried that all his laziness will come back to haunt me some day.