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To add to this misery, your X will be notified when the notices are mailed out. If you and your X are not on speaking terms and you wish to pay him/her back after discharge, you will need to reestablish communication.
Good luck!
"To go bravely forward is to invite a miracle."
"Worry is the darkroom where negatives are formed."
LadyInTheRed is in the black!
Filed Chap 13 April 2010. Discharged May 2015.
$143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!
So if I owe someone a thousand dollars, I have to list it? Why?
It is a debt that you OWE someone. You have to list EVERYTHING you owe. To intentionally omit something can be construed as fraud. If you read through these various boards and threads you will see where people have forgotten a creditor and are agonizing over amending their schedules.
"To go bravely forward is to invite a miracle."
"Worry is the darkroom where negatives are formed."
You have to list it because you're legally required to. Part of the thinking, I would guess, is to properly notify the creditors so that they have opportunity to have proper input into your bankruptcy process to make sure that you're not trying to run your case behind their back so that one of them unfairly misses out on something to which they really ought to have been entitled. So, yes, I listed relatives and friends I owe amounts to, from work colleagues to my mother in law, on Schedule F and the creditor matrix.
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