While you file, do you list your CLOSED as well as ACTIVE accounts during my lifetime

[lvmcse]

Have paperwork in front of me. A little confused. Its asking about my bank accounts. I currently has one active checking account. I use to have 2 more but they were closed 10 months ago. Should I list those????

[AngelinaCatHub]

If you have not had activity that long and left them in a paid in full, I doubt it would matter not to list them. They have nothing to gain and you have nothing to lose on a zero balance. Also they are clear of the 90 day look back as well. 'Hub

[LadyInTheRed]

You need to list any checking, savings or other financial accounts closed within the last year on line 11 of the Statement of Financial Affairs: http://www.uscourts.gov/uscourts/Rul...B_007_0410.pdf

[AngelinaCatHub]

You need to list any checking, savings or other financial accounts closed within the last year on line 11 of the Statement of Financial Affairs: http://www.uscourts.gov/uscourts/Rul...B_007_0410.pdf

I stand corrected. LOL. 'Hub

[lvmcse]

You need to list any checking, savings or other financial accounts closed within the last year on line 11 of the Statement of Financial Affairs: http://www.uscourts.gov/uscourts/Rul...B_007_0410.pdf

Thank you!!! Regarding the date. It says ONE YEAR from commenment of this fileing. Are they refering to the date I discussed BK with the attorney or do they mean the date I acutually plan to file?

[tobee43]

it's from the date you actually file. not "plan" to, but the date stamped on the petition.

[LadyInTheRed]

I stand corrected. LOL. 'Hub

Not really. Your post seemed to focus more on closed credit accounts. I think you are right that any credit account with a zero balance does not have to be listed assuming you don't have to list payments made within 90 days of filing. At least, I can't find a place to list a closed credit account.

Thank you!!! Regarding the date. It says ONE YEAR from commenment of this fileing. Are they refering to the date I discussed BK with the attorney or do they mean the date I acutually plan to file?

Within one year of filing the petition.

[ksgirl38]

I'd be sure the accounts are actually closed. I switched bank accounts and closed a savings and checking account on June 30th and they are still open today. The bank continues to charge me fees on one of the accounts so I listed them in the BK. Same goes for credit cards, make sure they really are closed. I had one on my credit report that I closed years ago, but showed up with an outstanding balance of $1 so we listed it just to be safe.

[AngelinaCatHub]

I'd be sure the accounts are actually closed. I switched bank accounts and closed a savings and checking account on June 30th and they are still open today. The bank continues to charge me fees on one of the accounts so I listed them in the BK. Same goes for credit cards, make sure they really are closed. I had one on my credit report that I closed years ago, but showed up with an outstanding balance of $1 so we listed it just to be safe.

Usually the $1 is a holding amount not real money. Like a place holder. This keeps the account active on the Credit bureau books. 'Hub