next section...Schedule F...some prelim questions to help me get started

[DebtZombie]

OK, took the day off work to foucs and dump these bills onto the Schedule F.

heres my questions(NOLO dont mention and I cant find a post about them)

1) Judgements, do they go on here? (does it matter hold old they are, as in 1 month old or 2 years old?) if not, where do they go?

2)I am being sued. I filed a "reply" and the date to set a trial date is Nov 8th. The collection agency working for the lieing-thieving-ex landlord- and the witch herself all go on F right? Along those lines, I faxed and emailed the filing doc to the collection agency as a heads up, and also think i should drop off the BK to the courthouse right? cause they would hold off on the lawsuit until the stay is over, or discharged. right?

3) So, if i have the original creditor, the collection agency and then a lawyer involved, all 3 get liste?. How do you list amounts? do they all go together in one box or 3 separete entries with one with the actual amount and the other two with zeroes? and yes, ALL of them were on the matrix.


4) I have state tax balances from 2002 ,2003 and 2006. ( I verified dates, per others suggestions). do these go on here? I put any more recent ones (a 2008 and 2009) on scheudle E. gosh i hope thats right.

[dumpinmydebt]

OK, took the day off work to foucs and dump these bills onto the Schedule F.

heres my questions(NOLO dont mention and I cant find a post about them)

1) Judgements, do they go on here? (does it matter hold old they are, as in 1 month old or 2 years old?) if not, where do they go?

I believe you have to file something separate to have judgments removed. But do list the original creditor for the debt on Schedule F.

2)I am being sued. I filed a "reply" and the date to set a trial date is Nov 8th. The collection agency working for the lieing-thieving-ex landlord- and the witch herself all go on F right? Along those lines, I faxed and emailed the filing doc to the collection agency as a heads up, and also think i should drop off the BK to the courthouse right? cause they would hold off on the lawsuit until the stay is over, or discharged. right?

We are in this exact situation. Literally from a landlord too. Our Case Management Conference is set for 11/3. We filed today.

We put the creditor (the landlord) on Schedule F. We did not put the collector on there. We put collectors on the Creditor Matrix.

The clerk at the court where we are being sued said that they have to receive the official notice from the Bankruptcy Court to have the lawsuit put on hold. I told her we were filing, but it didn't matter. She has to have the notice from the court. Call the court where you are being sued and ask. Otherwise you may just be bugging them by dropping off stuff.

You are doing things the BK court will take care of. They will tell the collection agency of your filing as well as the court where the lawsuit is (as long as they are on your Matrix.)Of course, you're welcome to provide her with your case number if you wish, but I would only do that if she is harassing you. Otherwise, I'd let the court do it.

3) So, if i have the original creditor, the collection agency and then a lawyer involved, all 3 get liste?. How do you list amounts? do they all go together in one box or 3 separete entries with one with the actual amount and the other two with zeroes? and yes, ALL of them were on the matrix.

We did NOT list the collection agencies, nor the lawyers representing the collection agencies. We only listed the original creditor on Schedule F. All of those other people can go on the Creditor Matrix. Other people have put them all before, but I thought it was useless. We need to have the debt discharged from the original creditor it was made with. The collection agencies need to know of the BK so they will leave us the heck alone.

4) I have state tax balances from 2002 ,2003 and 2006. ( I verified dates, per others suggestions). do these go on here? I put any more recent ones (a 2008 and 2009) on scheudle E. gosh i hope thats right.

Don't know the answer to your last one.

[DebtZombie]

perfect advice

anyone else got anything on these for me?

oh, and if am not sure of the balance, should I guess or put $1 (if i cant find out)

[dumpinmydebt]

perfect advice

anyone else got anything on these for me?

oh, and if am not sure of the balance, should I guess or put $1 (if i cant find out)

I'm sure someone will chime in.

I put an estimate. You can put $1 if you want, but if you have a good idea about how much, then put that there. There were 3 I wasn't sure on, but I knew it was around $1000, so I just put $1000.

If you put too many $1 amounts, it won't look like you have that much debt. lol.

[LaurieM]

Keep in mind that when local courts receive these notices of bankruptcy filing, there are NO local case numbers on them. When we file for ppl at our firm, I always send a letter over to the local court identifying our client's bankruptcy number, the chapter of the filing and the local court's case number. We also fax the same letter to any attorneys involved in the local court action. We do this particularly if there's a pending garnishment.

When we don't have a definitive amount, we put amount as "unknown". I ALWAYS notice all parties on schedule F... attorneys and collection agencies are noted w/o amounts and identified as "notice only" parties. It works for us. We rarely have issues post filing with clients still being pursued by collection agencies (well, except for medical service providers who are just plain clueless".

[DebtZombie]

THANK YOU
I will drop off the notice to the courts myself, with the case #.

I thought i was done just now, till i saw your notice only comment about adding all attorneys and collection companies to F

awww shucks, more work to do

but worth if i need to be safe

[tcreegan]

Hi all,

A good reason to include both collection agencies and original creditor is the possibilty the orig. creditor sold the debt to the collection agency.

The $1 number comes from BK software and/or automated forms, it won't let you put text or zero so folks put $1

LMs advice for the local court is right-on, they usually want something actually filed in their court; answer, motion, etc.
No 'holding off until the stay is over', the suit gets dismissed. Game over.

If you already have a judgement, you will want to have it vacated after your BK case. Again, the local court will have a procedure to follow.

Judgements and lawsuits go on Statement of Financial Affairs, #4

Creditor and $$ claimed in the judgement/lawsuit go on Sched F and the creditors matrix.

Since no tax experts have lined up to help with your state taxes, I would start a new thread w/ state taxes and discharge in the title

Hang in there DZ, the paperwork is a pain but it will all be worth it in the end!

Tom in Colo