Schedule F Question Please-DC Cach and Law Firm

[Xue]

Hi everyone.

Can I please get some help?

I am trying to complete the schedule F-creditors holding unsecured nonpriority claims forms.

I had a MBNA credit card.

MBNA got bought by Bank of America in 2006. I got a new card and statements from Bank of America. In 2008 I had to quit paying my bills.

On my credit report, it shows the amount I owe by Bank of America, and apparently CACH LLC now has the debt too, and it is showing on my credit report. So, on my credit report, the same amount is being shown twice on my credit report, with 2 different account numbers. One is Bank of America, and the other is CACH LLC.

I have received letters from the Law Office of Joe Pezzuto and the Law Offices of Harold E Scherr, and their letters claim to represent CACH LLC and state that the original creditor is Maryland National Bank.

The letters show an account number for CACH and an account number for Maryland National Bank.

The account numbers do not match any accounts that I had. (The Maryland National Bank account number on the letter from the law firms does not match my Bank of America account number.)

My question is, how do I fill out schedule F? Do I list the amount that I owe Bank of America, then list CACH c/o the law offices as duplicates, underneath?

Or, do I list the amount the law firms claim I owe CACH and then check the dispute box?

I just don't want to make any mistakes and I don't want to list the same amount twice, but since the account numbers are different, and actually the amounts are different, because CACH added some fees, and each letter from the law firm adds more fees. Thanks.

Thanks so very much.

[Aledrell]

I think your making this way to complicated. If your original debt was with MBNA or whoever just go off the last statement you recieved if that is Bof A fine use them. Disregard the collection letters for schedule F. Then on your Master Mailing List which is the long list of creditos put everyone you can think of including those law firms. This will get the job done and you won't here from any of them after you file. Understand I am not an expert but I did file myself, this is not legal advice, but what I would do.

[Xue]

Aledrell, thank you so very much for your considerate answer and for answering so quickly. Thanks!

Yes, you're right, I'm probably making it too complicated. You know, I just read a lot of posts and this and that and start worrying. Thanks for helping me have a good sleep tonight. I appreciate you Aledrell.