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can i do a PFD while in Bk 7

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    can i do a PFD while in Bk 7

    I just had a CA show up on my credi report. i forgot to include this debt in my bankruptcy. it is for $350. but i am still in the bk process, so i was assuming all collection activity must stop. can i send a letter to this company telling them i filed bk but i will do a pfd for 250 with them

    #2
    I don't think you can. Why don't you adjust your schedule and include this debt instead?

    The alternative would be a PFD AFTER your discharge but I would go with the adjusted schedule.
    Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
    FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
    FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.

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      #3
      Originally posted by dasherkin View Post
      I just had a CA show up on my credi report. i forgot to include this debt in my bankruptcy. it is for $350. but i am still in the bk process, so i was assuming all collection activity must stop. can i send a letter to this company telling them i filed bk but i will do a pfd for 250 with them
      You can send them your notice of bankruptcy, return receipt requested, and that will likely stop them from collecting. You can file an amendment to your Schedule F and creditor matrix to include the CA. However, if you are a no-asset Chapter 7, the pre-petition debt is generally viewed as being included in your bankruptcy, so you could probably get away with not amending the petition and just sending the notice to the CA. Personally, if I forgot a debtor, I'd go ahead and amend the petition ($26 court fee, and if you used an attorney, a fee to them to prepare the paperwork most likely) if my case was still open.
      Filed pro se, made it through the 341, discharged, Closed!!!

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        #4
        thanks for the answers, i thought you can only admend if you haven't had the 341 meeting?

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          #5
          Originally posted by dasherkin View Post
          thanks for the answers, i thought you can only admend if you haven't had the 341 meeting?
          If you are a no-asset case, you can even do that after discharge.
          Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
          FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
          FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.

          Comment


            #6
            Hi all,

            but i will do a pfd for 250 with them

            I'm clueless here (at least more than normal), to me a PFD is a Personal Flotation Device...

            What does PFD mean in a BK?

            Tom in Colo
            Ch7 filed 5/12/2010.....341 meeting 6/30/2010....report of no distribution 8/15/2010.....discharged 10/01/2010.....closed 11/09/2010

            Comment


              #7
              Originally posted by tcreegan View Post
              Hi all,

              but i will do a pfd for 250 with them

              I'm clueless here (at least more than normal), to me a PFD is a Personal Flotation Device...

              What does PFD mean in a BK?

              Tom in Colo
              Payment for Deletion. You pay a creditor and in return, they agree to have the account removed from your report.
              Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
              FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
              FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.

              Comment


                #8
                ...ahhhh, now I get it,

                Thanks IBROKE !
                Ch7 filed 5/12/2010.....341 meeting 6/30/2010....report of no distribution 8/15/2010.....discharged 10/01/2010.....closed 11/09/2010

                Comment


                  #9
                  Originally posted by tcreegan View Post
                  ...ahhhh, now I get it,

                  Thanks IBROKE !
                  You're welcome, tcreegan!
                  Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
                  FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
                  FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.

                  Comment

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