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    Filling out the Sch. F

    I have quite a few accounts that have gone on to outside collections. From everything I've gathered, I need to list both the original creditor and the collection agencies. So, I listed the original creditor first, with their account # and the amount owed. then following it I listed the collection agency with their account #, under consideration I listed that they were representing "Original creditor" and left the amount as zero.

    Does that sound right? Nolo's book said I should put ditto (") marks in the amounts, but I put zeros.

    I know I read somewhere recently about how someones filing was looked at because their debt looked double what it was because they listed the amounts with all their entries.
    LifeNLemons In Nevada and Broke
    Filed Pro Se: 12.03.07 341 Meeting: 01.10.08 Last Day for Objections: 3.11.08
    Switched back to No Asset - Here we go!! Discharged: 3.12.08

    #2
    I made sure everything was in alphabetical order, like the papers state but when I listed the collection agency, I listed them as "collection agency for original creditor name" and did not list an amount. My trustee didn't say anything about it and we are discharged now.
    Filed 9/5/07
    341 10/4/2007
    Last Day for Objections 12/3/2007
    DISCHARGED 12/4/2007

    Comment


      #3
      My original creditors are in very close to alphabetical order. I missed a few that I'm adding to the end. The collection agencies are listed right below them.

      ABC Co.
      LMN collection agency
      BYE co.
      xyz collections.


      I really don't want to re-type these since there is no good forms to fill out and I can't save the docs from the BK court websites.
      LifeNLemons In Nevada and Broke
      Filed Pro Se: 12.03.07 341 Meeting: 01.10.08 Last Day for Objections: 3.11.08
      Switched back to No Asset - Here we go!! Discharged: 3.12.08

      Comment


        #4
        Yeah, it was confusing for me too until I looked at some cases on PACER. Original creditors were listed as the Nolo book suggests, but "assignees" (collection agencies) and secondary addresses were listed as genseeker suggests.

        For collection agencies, I put the account number, name and address of the collection agency in the left column, and the words "Collection Agency for XYZ Company" in the middle column. No $ amount.

        For additional addresses going to the same creditor, in the left column, I only put "Additional notification for XYZ Company" which is the original creditor, and in the middle column I put the secondary address for the original creditor. No $ amount, no account number.

        It was kind of confusing but that was how the well-filed cases had it done. The clerk said something about matching schedules to the matrix you file, and if you look at it that way it makes a lot of sense.

        P.S. Don't worry about having something out of alphabetical order. They LIKE it alphabetical, but they'll figure it out if it's not.

        Oh, and I forgot to add: put all your creditor addresses, etc in a text file. Then it's all copy/paste, copy/paste. Still tedious as hell but not like having to retype everything.
        Last edited by FreshLikeADaisy; 12-16-2007, 12:32 PM.
        Nolo Press book on filing Chapter 7, there are others too. (I have no affiliation with Nolo Press; just a happy customer.) Best wishes to you!

        Comment


          #5
          Check with you court about the matrix because here, the matrix absolutely had to be alphabetical. The clerk even asked me if I was sure my matrix was alphabeticalcsince I filed Pro se
          Filed 9/5/07
          341 10/4/2007
          Last Day for Objections 12/3/2007
          DISCHARGED 12/4/2007

          Comment


            #6
            I already turned in my matrix with my original filing. I have to have my schedules turned in by the 18th (Tuesday). I don't have time to look through PACER at this point. And since their Adobe deals suck, I'm going to go ahead and turn it in as is tomorrow, as I probably won't have time to re-type the whole thing without taking tomorrow off from work.

            I was able to find this: (#4 states it is not required by law to have the creditors listed in alphabetical order)

            And this is from my states BK court website stating the instructions for the Creditor Matrix. I don't see anything about it being in alpha order, so I am going to assume I'm safe. (Not that I won't call in the AM tomorrow and ask, lol)

            LifeNLemons In Nevada and Broke
            Filed Pro Se: 12.03.07 341 Meeting: 01.10.08 Last Day for Objections: 3.11.08
            Switched back to No Asset - Here we go!! Discharged: 3.12.08

            Comment


              #7
              Keep in mind that different bk courts can have different processes and requirements. What may be required in one court doesn't mean it's required in all courts.

              If you are filing pro se, then it's crucial to find out the particular 'oddities' that your court may require, such as having to place all creditors in strict alphabetical order.
              I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

              06/01/06 - Filed Ch 13
              06/28/06 - 341 Meeting
              07/18/06 - Confirmation Hearing - not confirmed, 3 objections
              10/05/06 - Hearing to resolve 2 trustee objections
              01/24/07 - Judge dismisses mortgage company objection
              09/27/07 - Confirmed at last!
              06/10/11 - Trustee confirms all payments made
              08/10/11 - DISCHARGED !

              10/02/11 - CASE CLOSED
              Countdown: 60 months paid, 0 months to go

              Comment


                #8
                You know, since you already turned in your matrix, the worst that can happen is that you turn in your schedules, and they either issue a Notice of Deficiency (clerks don't like it) or the trustee asks you to redo it (he doesn't like it) and you have 15 more days at the very least to get it in. Or they take it as is because it is substantially in compliance. Either way, you'll get it in on time by the 18th and that seems like the main goal right now.

                Don't worry about looking through PACER; I suggested it because I thought you still had some time and were trying to get it *perfect*. I don't know if you've looked at any other pro se cases, but don't worry too much about it: if you're using the official forms that seems like the biggest thing they care about.

                In the Middle District of Florida, it seems that deficiency notices go out the same day that the offending document is filed; in other words the clerks reject it right as they are entering it into the system, and that's that. I have not seen any delayed deficiency notices (like a doc was filed Wednesday and a deficiency notice went out Friday); it seems 100% the same day. I don't know if the District of Nevada is the same, but chances are good that if you check PACER three days or so after you file your schedules, that's enough time to see if they cleared the clerks. If you don't see any deficiency notices by then, you're probably good. Good luck!
                Nolo Press book on filing Chapter 7, there are others too. (I have no affiliation with Nolo Press; just a happy customer.) Best wishes to you!

                Comment


                  #9
                  Well, I filed everything today and the clerk didn't even flinch. Doesn't mean they won't, but so far so good.
                  LifeNLemons In Nevada and Broke
                  Filed Pro Se: 12.03.07 341 Meeting: 01.10.08 Last Day for Objections: 3.11.08
                  Switched back to No Asset - Here we go!! Discharged: 3.12.08

                  Comment


                    #10
                    Good luck!!!
                    Nolo Press book on filing Chapter 7, there are others too. (I have no affiliation with Nolo Press; just a happy customer.) Best wishes to you!

                    Comment

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