Hi to all, I am really confused about how to list debts that are over a year old on my chapter 7 pro se case. The schedules say things like list all debt in the last 90 days or all setoffs in the last year but what if I have accounts in collection that are over that time limit? Can I file without schedules? Thanks to anyone who may be able to help, I am drowning.
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Originally posted by Leia View PostHi to all, I am really confused about how to list debts that are over a year old on my chapter 7 pro se case. The schedules say things like list all debt in the last 90 days or all setoffs in the last year but what if I have accounts in collection that are over that time limit? Can I file without schedules? Thanks to anyone who may be able to help, I am drowning.
Good luck with your pro se case!Chapter 13 filer since Feb. 2018 under a 60 months payment plan
Please think positive and do not give up!
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hi Leia, welcome to the BK forum. I hope everything will go okay for you. If you are filing pro se that is impressive by the way. I do know there is a pro se section here on the forum too. But I would list everything.Much thanks for all the support and information I receive on this forum.
Chapter 7 filed 11/21/2008
341 Meeting 01/05/2009
Discharged 03/06/2009
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Thanks
I am beyond bankruptcy burnt out right now and the problem I am having is the paper work specifies time restraints. Ex: List all charge offs in the last year. So my issue is there is no "spot" if you will to list things that are over a year old. I really don't want to make any mistakes and I have obsessed with every detail being correct since this is my only shot to get it right. I am just unsure how to catalog debt that is over the time specification. Thanks to every one for welcoming me and for your suggestions! I truly appreciate it.
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You could be confusing "setoff" with "chargeoff." A setoff occurs when you have funds deducted from your account to pay a deliquent bill. If it was done within 90 days of filing, the TT may have an interest in taking it back.
A chargeoff is an accounting term that removes the debt from the original creditor's books and it may be sold and/or assigned many times but the debt is still valid. I didn't see anywhere that asked for chargeoffs but I may have overlooked it.Filed Ch7 5/28/09 (Pro Se) Orlando, 341 7/01, UST selected case for audit 7/01, Last day for objection 8/31. Audit report filed 9/10, no material misstatements. Discharged and closed 9/22/2009
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Moral of the story, save all of your papers. Every little piece of collections mail that comes through.
I have file folders tabbed with the names and account numbers of every creditor I owe. Whenever they send any mail, it goes into the file folders so I will have all that ready to refer to when I file.
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