question on 3 bills, one hospital....schedule E

[free2breathe]

I just submitted mine as total billing. I think there were two accounts for my husband and one for my daughter, but they were all sent on one billing with one total, so that's how I listed it on Schedule F.

Like Tom said, most of the courts hold that pre-petition debt is discharged with the bankruptcy, even if it is inadvertently left off F or the matrix. And, like tobee said, the amounts you put on your schedule are subject to change with the addition of interest, extra fees, etc. I think you'll be ok.

[tobee43]

since this is a half and half concenus...and i still think it will ok...i'm still stressing that you should contact the trustee's office and just make certain.

only problem with that is of COURSE they will tell YOU to do whatever makes THEM money...one of the problems with going pro se...however, certainly NOT unsurpassable....

jb....where are you????

[duciwish]

Courts have pretty consistently held that pre-petition unsecured debt is still discharged even if you forgot to list them.

False. If you do not list it on the petition, you will be responsible for the debt. And the amount doesn't have to be exact. There is a reason why we fill out debts on Schedules and then all creditors are notified. One example, lets say you open debt for 1000's 1 month before filing and look fraudulent. The trustee has to evaulate your petition. And your creditor has a chance to object.

If you forget to add a debt, you can amend your bankruptcy even after your discharge and case closed. However, you can only add debts (amend schedules) that were incurred before filing petition. And the fees vary. If you reopen the case (after it's closed) it will cost the same as filling fee, hundreds. If you add debts before closing, cost $26.

:gl

[ccsjoe]

Debtzombie, if you don't have different account numbers, just different invoices, you are ok. If you have a different account number, send them a copy of your filing notice and you "should" be fine as all unsecured debt, regardless of listing, gets discharged.

[free2breathe]

Ok, duciwish, let me clarify that in a no asset Chapter 7 case most of the courts hold that pre-petition debt is discharged with the bankruptcy if it would have been a dis-chargeable debt had it been listed. Again, it depends on jurisdiction, and I am not saying it's a hard and fast rule, but there are documented cases to support what Tom and I both said. However, if you have a Chapter 7 ASSET case or a chapter 13, where there are funds to be distributed, then you would have to file a petition to reopen your bankruptcy, and it would be a good idea to consult an attorney in that case.

*I am not an attorney, therefore my opinions are just opinions, based on research, word of mouth, experiences, etc.*

At any rate, DebtZombie, I think you get the picture. If you find creditors you forgot to list, file an amendment in a timely manner.