Chapter 7 - Help on filling out Schedule F

[sjades]

Hi Everyone,
New to this forum. Never thought I would be here, but it looks like it’s inevitable at this point. I’ve read through some of the posts and so pleased to see so much information here as we’ve felt a little lost on this whole process. We will likely be filing chapter 7 pro se in the next couple of weeks and have a few questions on completing Schedule F. The book that I have isn’t totally clear.

When listing the creditor’s information, I have more than one address per account, per creditor (all of which I’ve included in the credit matrix) and per agency acting on behalf of the creditor. My questions are as follows:

• Do you just put one of the addresses per creditor and per agency and not necessarily all of the ones that I had on the matrix?
• In the account # section, do we just put the last four digits of the account # of the creditor on the agency’s info as well (I noticed that some of the agencies assign their own internal #, but also reference the original creditor’s account #).
o As a “sub” question, do you think there’s any advantage or disadvantage of putting the entire account # vs the last four digits only? I’m so used to the last four digits only for security reasons, but not sure if it makes a difference for bk or is it just to make things easier for the trustee and creditor?
• Since the debt is really just one debt, should I assume that I would put the amount in once and leave the other blank even though I’m taking up a line with the agency’s information?

Say for example, if we owed Amex 1k and XYZ agency has also been trying to collect for the same debt, I’m thinking that I would list the Amex address (one of the many that’s on the creditor’s matrix) and last four digits of the account #, and the amount on one row. AND in the next row of the form, list XYZ Agency address in another, the last four digits of the Amex account #, and leave the amount blank since it was already listed in the Amex line (that way it’s not counted twice in the total). Is this what most people have done without any problems? Don’t know if I’m overthinking this or not, but want to get it right to avoid re-dos or issues. I really would like to include the original creditor and any and all agencies who’ve tried to collect on the same debt to cover my bases, but want to see how others have done it. Thanks for your input in advance. This is really unnerving. Thank you again for this site and for your input!

Shel

[mommi2many]

I filed pro se and on schedule "F" I put the original creditor, the last 4 digits of the account, and the amount I owed. Then on the next line I would put any CA's collecting for the original creditor and put the last 4 digits of the account and for the amount I put $1.00. I actually read that on this forum. I am still going through the process of bk so I cannot tell you that there were no problems with doing it that way. I can tell you that the clerk accepted it and so far so good.

[tcreegan]

Hello sjades and welcome!

When you say book, are you talking about the NOLO book?

As a pro-se, go to your courts website and find the local bankruptcy rules (local rules, LBR) and go over them. A book covering the nation will not have the quirks of your BK court. Courts want certain cover sheets, order of documents, format of creditors matrix, staples or no staples, nuts and bolts kinda stuff.

On schedule F I put the original creditor, amount and XXXXXX#### (acct number), then the next entry was any collection agency, lawyers for the collection agency, the collection agency that got the acct from the previous collection ageny, etc., last 4 digits of their acct # if I knew it, if not the original acct #, and amount was 'included in above entry' (the $1 figure comes from software forms that won't let you enter text or zero in the amount column, so you put $1) Not sure why, but the feds are big on the last 4 digits deal, don't want the whole acct #...

Hang in there and ask lots of questions, some good folks around here to help out!

Tom in Colo

[sjades]

Thanks so much for your responses!! That helps a lot. It seemed like such a minor question, but the thought of re-doing these forms somehow would drive me nuts.
Yes, I've been referencing the NOLO book which has been really helpful too.

Many many thanks!!