Letter from creditor

[justagirl]

I just received a letter from one of my cc that states:

"We regret having to cancel your (name of cc company) charging privileges. Unfortunately, when we learned you plan to file for bankruptcy, these actions became necessary.

Please forward a copy of this letter to your attorney if you have retained one. In the event you have already filed for bankruptcy, please send or have your attorney send us as soon as possible a copy of your Bankruptcy Petition or your Notice of Bankruptcy Case issued by the clerk's office. If you do not respond to this letter within 30 days, we will assume you have not filed for bankruptcy."

This letter is dated 2 days after I filed. They are one of the creditors that received the electronic notice. The court sends out the Notice of Bankruptcy Case to them, don't they? Should I just copy the notice that was sent to me and mail it to them or is that a waste of time?

Thanks,

~JAG

[lrprn]

Chances are the letter from the creditor was mailed right before you filed. All they want is your bk case number. Send it back to them in a separate registered letter. It's no problem if they get your case number twice. At least then you know they can't say they never got it

[justagirl]

I'll get it sent out to them tomorrow...

Thanks for your help!

~JAG

[lookinupn09]

Just a quick question, when a credit card company closes the account, and you start getting calls and letters form the other companies. do you put down their names as the creditor, or the original cc companies name? (Going to buy the Nolo book Friday)

[justagirl]

Lookinupn09,

List both - the original creditor and the collection agency but only include the debt total for one and put $0 for the other - some even recommend marking one entry as "duplicate". Sorry, I can't explain it any better than that...my brain is not functioning yet...LOL.

The Nolo book is great - it will explain it better!

~JAG