Well I checked Pacer yesterday and I noticed the trustee finally entered the report of no distribution. Our 60 days will be up tomorrow, but we recently filed a reaffirmation agreement so I'm guessing this will delay the discharge since we will have to go in front of a judge (at least that is what I assume since we filed pro se). At any rate, I was happy to see the filing from the trustee yesterday.
I have had three phone calls and two letters in the past two weeks from creditors. The one phone call I answered was from a collection agency, calling about a debt that was included and they had recently acquired (this was my first contact with them ever). I informed them of the bk and gave them the case number. I've prepared letters for two others. I will be sending duplicate letters, one to the return address and one to the payment address. In addition, I am sending letters to the original creditors. I really hope there won't be too many of these.
The two local Dr. offices are the ones that I am not sure what to do about. We are still patients. They have continued to send monthly invoices, and both recently sent letters threatening to turn our accounts over to collection agencies. I made a call to one today, reminding them of the bk. The billing manager admitted to receiving the notice of filing, but said that it simply said we had a "pending" bankruptcy. She also informed me that I "still owe" the Dr. X amount, even though I filed bk. I was trying to be as nice as possible (since we are still patients) and asked her to re-read the notice that was sent. She said she would put the account on hold so that it would not go to collection. The other Dr. office left me a voice mail offering me a payment plan but I have not yet returned their call.
I live in a small town, but surely this is not the first bk they have dealt with??? I don't really think the not-so-nice letter I sent to the collection agencies are appropriate for the Dr. offices........or are they???
I have had three phone calls and two letters in the past two weeks from creditors. The one phone call I answered was from a collection agency, calling about a debt that was included and they had recently acquired (this was my first contact with them ever). I informed them of the bk and gave them the case number. I've prepared letters for two others. I will be sending duplicate letters, one to the return address and one to the payment address. In addition, I am sending letters to the original creditors. I really hope there won't be too many of these.
The two local Dr. offices are the ones that I am not sure what to do about. We are still patients. They have continued to send monthly invoices, and both recently sent letters threatening to turn our accounts over to collection agencies. I made a call to one today, reminding them of the bk. The billing manager admitted to receiving the notice of filing, but said that it simply said we had a "pending" bankruptcy. She also informed me that I "still owe" the Dr. X amount, even though I filed bk. I was trying to be as nice as possible (since we are still patients) and asked her to re-read the notice that was sent. She said she would put the account on hold so that it would not go to collection. The other Dr. office left me a voice mail offering me a payment plan but I have not yet returned their call.
I live in a small town, but surely this is not the first bk they have dealt with??? I don't really think the not-so-nice letter I sent to the collection agencies are appropriate for the Dr. offices........or are they???
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