Yes, you have to list EVERY creditor that you have an account with, even those that you are current with or have no balance due. You can run the risk of getting in trouble with the bankruptcy court if you don't.
That depends on HOW they notated the account. If they marked it as 'included in bankruptcy', even if you did not list them on your creditor matrix, you probably will not succeed in disputing it, but you can try.
Yes but it will also list that you are making payments!
That depends on what you mean by "can't find or locate a creditor". If you get a copy of each of your credit reports, they will list the contact information for each of the creditors that are reporting any type of information about you on your credit report. if you cannot get a response from the creditor after locating their contact information on your credit report, then you may want to "dispute" the information with the credit bureau that is reporting the information. Simply write a letter to the credit bureau stating that the information being reported on XYZ account is not accurate. Please remove this information from my credit file. The bureau will contact the reporting creditor...if the creditor does not respond within a timely fashion, the information will be removed from your credit file.
Only those creditors you list on your bankruptcy schedules / creditor matrix (list) will receive actual notice.
A charge off is an account that the creditor has decided not to collect on. When they are listed as a charge off, that does not mean anything to you except a ding on your credit report. You are still obligated to pay the debt. What usually happens is a third party debt collection agency will make arraingments with the original creditor to come after you. This can be a double dip on your credit report because the original creditor might list it and the debt collector might list it also.
Yes your papers will list all the creditor that was discharged. I did some research and found out myself.
There are many websites that list repossessed houses for sale. HouseRepos and BankForclosureSales are two examples. Another option is to contact a local Realtor who can provide you a list of local repossessed homes free of charge.
Paid repossession would be the best option. This, even though it is a negative mark, is less so due to the satisfaction of the debt. Count yourself fortunate, as the lender could list it as paid-settlement, which would be less positive.
A person can find a list of repossessed cars that are for sale in several different places. Some of these places include GOV-Auctions, Auto Bidmaster, and Pickles Auctions.
You should stop using credit cards before you file or you will have to pay all of the debt you incurred after you filed. When you file you have to list the debt and the company. If you keep using it you maybe challenged by the creditor.
Creditors grant credit to those people who are likely to repay them. They gather all kinds of information during the risk assessment process. Much of it is to be used in case of default.