Are amounts of debt discharged, or just an account?

[NewPage]

I'm preparing everything to take to the attorney tomorrow. One of the things he wants is the most recent statement from each creditor. Well, it seems that some aren't sending them any more, I guess because they have been charged off? Either that or I just can't find them.

I don't have access to the accounts online any longer, not most of them anyway. I listed the amounts I could find on the form I sent to the atty online, and I do have the most recent statements I can find. So I was wondering, on the petition is the exact amount listed, like say Chase (acct number) $20542.19? Or is it the account itself? What if you file with the most recent statement you have and you actually owe say $450 more according to the creditor?

[free2breathe]

I wouldn't worry too much about the amounts. Take the ones you do have, and your attorney will know what to do with the rest. Just be as accurate as you can, but don't neglect to give him names of creditors even if you don't have the amounts that you owe at hand.

Edit: Did your attorney say anything about pulling credit reports? Many of the amounts you're missing may be found on your credit reports. If he doesn't think you have everything you need tomorrow, he'll let you know.

[NewPage]

Thank you. No he hasn't said anything yet about credit reports, but I wondered if that was part of the process.

[free2breathe]

We filed Pro Se and I pulled ours just to be sure I got all the ghosts out of the closet. I have read comments on here about attorneys pulling them for clients, so it's always a possibility. If he doesn't mention it, you might ask him about it.

[debee]

Did your attorney say anything about pulling credit reports?

Hi NewPage, I agree with f2b that your attorney has probably already pulled your credit. Don't fret over the nickels and dimes. That's what you pay your attorney to do! If there is anyone you owe who won't appear on your credit report - recent medical bills, personal obligations, etc - jot those down and take them into your meeting along with whatever bills you still have. Keep us posted how things go with you.

edit: My understanding is that in the 9th Circuit (which includes Oregon) if your case turns out to be "no asset" and you receive your discharge, there is no consequence for unintentionally failing to list a creditor. So if you get your discharge, you are discharged from ALL dischargeable debts regardless of whether they were listed or received notice of the bankruptcy. That being the case, it's no big deal if you're off by a few bucks on the ones you recall.