Should I include this in the Ch7 Matrix?

[mhman]

My BK Chpater 7 will be filed next Tuesday.
Today I have received two letters. One from AMEX and another from a collection agency for the AMEX.

AMEX said that my account has been transferred to the above collection agency.

Should I include this collection agency in the Creditor Matrix before filing?

Any advice would be highly appreciated.

[DeadManCrawling]

Th OC being notified is sufficient in most cases. My attorney included all CA's and JDB's to make sure we did not miss anyone, but if you are certain this company is handling the AMEX debt, you're fine.

[mami2four]

My attorney also added the collection agencies. I say list everything, you have nothing to lose if you do anyways.

[DeadManCrawling]

mami is correct. No problem in listing them all, and you don't get any surprises that way and end up having to amend.

One possible issue with this:

We listed EVERY collector. Some of the debts were represented 4-7 times. This resulted in us appearing, on the schedules, to have debts over 600k unsecured. It is really far less than that number and we may get some extra questions at the 341. But, we will simply answer that the debts are on there multiple times to be sure we got em all.

Good luck.,

-dmc

[aljohnson007]

The problem with listing the same debt multiple times is it could put you over the majic $100k unsecured debt and may get the UST's attention. I believe that is the only reason my case was selected for audit. As long as the original debt is listed, I believe that is sufficient. JMO.

[StartingOver08]

You can list both, but you do not have to list the dollar amount for both. My attorney put the OC in the petition with the amount of claim and then in the following box (in the matrix) he listed the CA and which OC the CA was representing with a blank field in the amount of claim section. So both entities were listed with only one amount showing.

It was a good thing too. The CA started to collect again about 9 months after filing. As a result, I was able to get them not only to stop collecting, but to remove themselves permanetly from my CR.