Debt Collectors not on Credit Report?

[newbeginning]

Greetings all,

We are about to file in about a week and checking our credit report to make certain all creditors are accounted for, but looking at our credit report, many of the collection agencies that we have been receiving correspondence are not listed. Is this typical or some way of making it more difficult for filers?

Thanks.

[FLBK7]

Greetings all,

We are about to file in about a week and checking our credit report to make certain all creditors are accounted for, but looking at our credit report, many of the collection agencies that we have been receiving correspondence are not listed. Is this typical or some way of making it more difficult for filers?

Thanks.

Sometimes the collection agencies take a while to show up on the credit reports. Be sure to list them all on your BK creditor matrix, because most likely they WILL show up on the credit reports at a later date.

[southernbelle]

Most of mine weren't listed on my credit report either, but I kept a giant binder with correspondence from anyone trying to collect from me and listed them. Sometimes it was 3 or 4 creditors for the same debt, but keeping everything organized and making sure I listed them on the creditor Matrix proved very effective. Since my discharge, I haven't received any correspondence from a single creditor (and I had tons of them - personal and business)!!! Knock Wood!!

[junker]

i thought just making sure you listed the oc was sufficient.

[southernbelle]

My atty. told me to list EVERYONE. My case was a little different because I had a business and LOTS of creditors to keep track of so I just listed them all. Also, I didn't want to deal with anyone that didn't get the notice.

The oc is sufficient to discharge the debt if you don't have contact info on collection agencies.