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?
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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.Get mortgage modified: DONE! 7 months of back interest payments amortized, payment reduced over $200/mo
(In the 'planning' stage, to file ch. 13 if/when we have to.)
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Originally posted by SMinGA View PostYes, 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.Retained Attorney: 2/24/10
Filed: 4/1/2010
341 Meeting: 5/24/2010
Discharged! 8/5/10
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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.Retained Attorney: 2/24/10
Filed: 4/1/2010
341 Meeting: 5/24/2010
Discharged! 8/5/10
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