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How do you list creditors and the collection agencies in the bankruptcy?

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βˆ™ 2006-09-09 01:55:25

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On the appropriate schedules included in the BK kit. For example, creditors holding unsecured priority debts and creditors holding unsecured nonpriority debts are listed on different schedules. Likewise, executory contracts and leases on another schedule and so forth. The designation for each type of schedule may differ somewhat when the BK is a state filing. All instructions and forms should be included in the BK kit. Having said that, a far better choice is to retain a qualified BK attorney. Not advertising, just stating a fact.

2006-09-09 01:55:25
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Q: How do you list creditors and the collection agencies in the bankruptcy?
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Related Questions

Do you list a landlord on the list of creditors in a bankruptcy?

You do if you owe him money. You must include ALL creditors.

How do you get your creditors list?

You can get a list of your creditors by checking your credit report. Most of all creditors will report to the agencies and will have a record.

How do you find out what collection agency you owe to?

An easy way to find out what collection agencies you owe money to is by pulling your credit report. Credit reports will list balances with all creditors as well as if any balances were turned over to collection agencies.

When filing bankruptcy do you list the original creditors or the collection agencies?

You will list on the petition the actual names of the creditors not the collection agencies. After you file your petition you will give your docket number to any of the creditors or the collection agencies who are trying to collect monies for the creditors listed on the petition when they call you or send their demand letters. Please be very careful to include ALL the creditors you wish to declare bankruptcy on. Once you file your petition you cannot add creditors later. You can actually amend your BK Schedules anytime prior to discharge, so if you forget someone, its not too late. However, you will have to mail the notices of Commencement of Chapter 7 yourself and will be responsible for renoticing the creditors if notices are returned due to a dead address or forwarding expiration. I recommend listing both the collection and the original creditor. The collection agency may have purchases the debt and be more than a collection agency at that point. Also, listing the collection agency means that that they will be notified of the automatic stay directly by the court and the phone calls will stop sooner. Regardless of what you do, remember that the new law that goes into effect in October 2005 requires you to list the original creditor at the address on your statements. I am a bankruptcy attorney and I always list both the original creditor and the collection agency or attorney representing the original creditor so that the creditor cannot later complain that they did not receive proper notice of the bankruptcy. I always pull a fresh credit report from all 3 bureaus on the date the petition is filed so that I don't miss any creditors who may have bought an account or that are representing a creditor in some way.

Do you notify creditors of your bankruptcy or does your attorney?

You have to provide the court with a list of all your creditors, called the creditor matrix, which the court uses to send notice to all creditors.

If your credit cards are in collections do you have to report the name and address of the credit card company or the collection agency that has taken over the account when filing bk?

The new bankruptcy law requires that you list the original credit. However, I recommend reporting both. It doesn't cost you any extra money because the bankruptcy court mails out the notices and the harassing phone clals will stop sooner if you notify the collection agencies as well as the creditors.

Do creditors list a charge-off on credit reports as of the bankruptcy filing date or as of the discharge date?

Creditors list the charge off date as the date the bankrupcty was filed

Where can I find a list of all the collection agencies in Nevada?

You can find a list of all the collection agencies in Nevada at Another good site is

Will a closed credit card account receive notice of a bankruptcy filing?

Only those creditors you list on your bankruptcy schedules / creditor matrix (list) will receive actual notice.

Is it illegal to not tell creditors that you have filed Bankruptcy?

You don't have a choice. You list all of your creditors and the court notifies them of the filing. If you deliberately omit a creditor from the list you can be charged with a federal crime and, more seriously, denied a discharge or have your discharge (as to ALL creditors) revoked.

What is a list of the top collection agencies?

There are several collection agencies in the world. Some examples include: Americanprofit, Avonmere, Capquest, Direct Recovery, Equifaxs and Olddebts.

How long should bankruptcy paperwork be kept?

== Forever ! That sounds extreme, but given the current boom in zombie debt collection, a 20 year old debt included in a bankruptcy could come back to haunt you down the road and you would have to produce proof that the debt WAS included in your bankruptcy to make the collection agencies back off and go away. Keep copies of your complete bankruptcy petition, all schedules, the list of creditors and your discharge letter in a safe deposit box (or similar) and never lose it. If storage is a problem, at the very least scan the entire petition and burn it to a CD and keep IT in a safe and fireproof location.

Will your mortgage company know if you filed bankruptcy?

Yes. When you file bankruptcy you are required to fill out a number of forms. Schedule D is the form for Creditors holding secured claims and a home mortgage is a Secure Debt. You will have a complete list of all your creditors names, addresses, account numbers on a form called the Creditor's Mailing Matrix. The Bankruptcy court sends notification to all the creditors listed that you have filed bankruptcy.

How do you get a list of creditors after filing bankruptcy?

You had to give a list to the court. If you did not have an attorney and did not make a copy of Schedules D, E and F or the matrix, you can get a copy from the clerk's office or from the place in your state where they store old bankruptcy files.

Can you put your house mortgage in on bankruptcy?

Yes you can, in fact, you are required to list all creditors, which would include your mortgage lenders.

How many collection agencies in New York City?

An approach to find Collection Agencies in the city of New York, is find them through Collection Industry Member list. Like; CLLA, ACA International, etc.

While filing bankruptcy is your current bank notified?

Only your creditors should receive the bankruptcy notice. A careless petition preparer could have names and addresses on the list that do not belong there. If you don't owe your bank any money, they should not be on the list.

Does bankruptcy remove an eviction?

if its related to the bankruptyc, you can include it. and the creditors will have to remove it or flag it for removal in 7/8 yrs because an eviction is related to owing money or a summons, and a bankruptyc filing will/can squash those writs of order to pay. You have to manually add that into your list of creditors when filing for the bankruptcy.

Is the nonfiling codebtor invited to attend the creditor meeting in a Chapter 7 case?

Codebtors must be listed in the bankruptcy, and put in the list of creditors if you want the codebtor to receive notices. No one is "invited" to the creditors' meeting, but notices are mailed to all the creditors, which/who may attend if they wish.

What do you do when you forgot to list a creditor on your bankruptcy and it has already been discharged?

The normal procedure is to file a motion to reopen the case so you can add the crediotr that you forgot to list. A great deal depends on whether or not you had assets available to pay creditors. In some areas of the country, unlisted debts are still discharged if you have a "no asset 7" when no money was available to the creditors. You should consult a bankruptcy attorney to determine if further action is warranted.

What if the debt is incurred after the bankruptcy filing but before the bankruptcy discharge?

When an individual files for bankruptcy, he/she must list down all the creditors and debts that they have. If the bankruptcy has already been filed and the individual has incurred new debt but has not yet been discharged by bankruptcy, that new debt is not included in the bankruptcy discharge. For an official opinion, it is advised you seek legal counsel. It is really important to seek legal advice from the expert about filing for bankruptcy.

Where online can one find a bankruptcy list?

One can find a bankruptcy list online from Pacer, which is a government website that has copies of national archives of the list of bankruptcy. One may have to pay a fee in order to gain access to the list of online bankruptcy list.

What is the address for delivery of bankruptcy notice to Citi mortgage home loan?

The court should take care of sending those but for creditor list-take them all off your report, that way you don't miss any by accident. Also, make sure you get collection agencies for5 all of them

Would an estate be liable to pay a claim that was previously included in the deceased bankruptcy?

Bankruptcy is an extremely complex area of law. You should have the situation reviewed by the attorney who is handling the estate. Perhaps you could also contact the attorney who handled the bankruptcy to determine if the process was completed and if you could obtain a list of the creditors who were addressed in that proceeding.

Do you have to list recently accrued debt after filing bankruptcy?

Debts incurred after a bankruptcy is filed cannot be added to the BK and therefore would not be discharged. Any debts not discharged in a bankruptcy are subject to collection by any means available to the creditor under the laws of the state where the debtor resides,