I have the Nolo Chapter 7 BK book, and its great, but I am confused on this form. Some of my credit accts have gone thru mutliple collections agencies and a couple have gone to atty's. The book says to list the original & current collector / atty.. but what happens to all the ones that sent letters in between. I dont want them to come after me when my BK is done. Can I list the original debtor with the debt amount and then list the ones who tried to collect the debt, or as tyhe book says, just the orig debtor & current collector.
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Schedule F - Creditors Holding Unsecured Nonpriority
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Experienced bk lawyers will tell you it's best to list every creditor and collector you are aware of that ever touched any of your debt on your creditor list. That way there's no doubt every one of them will be directly notified by the court that you filed bk and you no longer owe the debt.I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.
06/01/06 - Filed Ch 13
06/28/06 - 341 Meeting
07/18/06 - Confirmation Hearing - not confirmed, 3 objections
10/05/06 - Hearing to resolve 2 trustee objections
01/24/07 - Judge dismisses mortgage company objection
09/27/07 - Confirmed at last!
06/10/11 - Trustee confirms all payments made
08/10/11 - DISCHARGED !
10/02/11 - CASE CLOSED
Countdown: 60 months paid, 0 months to go
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I am also stuck a bit on this form...the nolo book says to list everyone, but i was wondering in what order. Should i enlist them alphabetically or original and others involved in chronological order? Confusing. Any suggestions? O by the way I do know that you only list the most current $ amount you owe only once.Filed Chapter 7 4/22/2009
341 Meeting Scheduled 5/27/2009
Discharged 7/30/2009
Awaiting closing!!!!
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