New here, filing soon

[ImmortalfWd]

First I just wanted to say thanks for the wealth of information on this forum. It's because of this information that I decided to proceed with Chapter 7. I lost my job at the end of '08, and had to stop paying my credit cards in March of last year. I planned to catch up once I got a new job, but that didn't come until October, and then my wife lost hers in December. The only concern I have is the listing of creditors. I know all the original creditors, but I have received so many letters and calls from various agencies that I'm afraid I may have missed one over the course of a year. As long as I have all the originals listed, should I be fine?

[SMinGA]

Yes, that is correct.

But, for any that you do have collection agency/junk debt buyer addresses - include those as well. You can include the 2nd 'creditor' for an existing account with a $0 balance and mark 'for notice only'.

If you have not already, pull a current copy of your credit report. That can help you to catch anyone you may have forgotten.

[ImmortalfWd]

Yes, that is correct.

But, for any that you do have collection agency/junk debt buyer addresses - include those as well. You can include the 2nd 'creditor' for an existing account with a $0 balance and mark 'for notice only'.

If you have not already, pull a current copy of your credit report. That can help you to catch anyone you may have forgotten.

Thanks. I did get a credit report from my attorney. We listed everyone on there, but the majority of the collection agencies weren't on there yet. I had stacks and stacks of notices I went through and added everyone I could find. I know all the original creditors are there, I'm just nervous that over the course of a year I may have misplaced a letter here and there.

[outofdebt201]

Do you have a filing system for all the letters your getting? That might help you find out the once that are already on the list and the new onces that come in.

[ImmortalfWd]

I'm saving everything I'm getting now, and have been for the past few months. I was worried about ones I may have missed from June-around October/November of last year, but my attorney says I'll be fine since all the original creditors are listed. I'll be filing next week.